'I'm a cash-saving mum & have 6 cost-cutting hacks including a phone bill trick'
While on a low income, Francesca needed to track every single bit of penny to avoid spiralling into debt.Francesca says: "Write out all of your bills and spending - you'll need to go back through last month's bank statements and add it all up so that you have your real numbers for each category."Ring up your suppliers and see if they can reduce your bills at all."It helps to start with the 'big' costs, as these will make the most difference to your bottom line.
Setting up sinking funds is one of the best ways to stay on top of your finances and not have to reach for the credit card in an emergency. Francesca says: "There are certain discounts that they only have access to if you are cancelling, as they want to make sure you stay with them, even if it's for less money."If you do switch, make sure you use a cashback site."I cancelled a subscription to a newspaper recently, and they offered me 90 per cent off to stay.
"Airtime Rewards is a great cashback app that I've been using for a while to get money off my phone bill - I often don't pay anything at all some months due to this app!
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