Ways to save this winter

SIMPLE STEPS TO HELP YOU KEEP BILLS DOWN

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WITH energy prices on the rise and colder months ahead, it's no surprise many are feeling added pressure around their finances.

According to personal finance expert and head of money at Plum, Rajan Lakhani, the autumn period often brings higher costs as households spend more on heating, food, and even small comforts like hot drinks.

"The key is to stay mindful of your spending and make use of the technology that can help you manage it," he explains. Rajan emphasises that the most important step is to start small as gradual changes can build momentum over time.

To help you prepare for the season, we spoke with those in the finance industry who shared their top tips for navigating the months ahead.

Do a budget

"The best thing anyone can do if they're looking to cut back is to budget," says Rebecca Routledge, head of content at Money Wellness.

"There are tons of free budget planners that you can use online. For example, on Money Wellness, if you put all your details in there like your income, any benefits you get and all your expenses, you can really see what you're spending, and you can see where there are areas you might be able to cut back on.