#AgonyLife9 - Dear SS How can I manage my money better?

Well I don't know how old you are but the more we age, the more responsibilities and expenses we have.

I can recommend some basic changes and just being honest with yourself about what you can realistically afford.

1. List all the basic necessities, whatever applies to you. Could be the..

mortgage/rent payments, 

gas, 

electricity, 

water, 

food, 

phone, 

oyster/petrol, 

tv licence, 

insurance,

etc..

2. My bills mostly come out monthly, but I do a food shop weekly. After you have calculated all those costs and compared it to whatever income you have.

3. See if there is an excess for anything else.

4. You can start putting money aside to save for something in particular or just general fun money or you can use it for socialising or any or other hobbies you have.

5. Christmas is next month for whoever celebrates it but say you have an occasion where you are buying a lot of things. Take out a prime trial and you won't have to pay the delivery costs.

6. Shop around and compare prices. Just because something is brand name, it doesn't make it better. Look for alternatives.

7. Sign up for the newsletters and use those first purchase codes, to your advance, save a small fortune.

8. Do not impulse buy, have a list and stick to it, you are beginning to save already.

9. Look out for free samples and claim yours.

10. Use cashback or sites like Vipon to get discounts or money back on things you already planned to spend money on.

11. Regularly share deals and offers with friends, then they are more likely to inform you back, when there is a juicy perk on the go.

12. Sell a bunch of outdated things that you no longer have use for, either in a car boot sale or places like Ebay/Amazon when there is a special free or low cost sellers fee.

13. Either cut out or find a more reasonable price for the luxuries you desire.