How to have a no-spend month: ‘Game-changing’ plan saves almost all your monthly salary

Budgeting is few people’s idea of a dream activity. For those who struggle to get their head around the concept, Chloe broke down a handy set of tips.

She said: “I know budgeting sounds boring and restrictive, but it’s game-changing for feeling in control of your money.

“If you currently don’t have a budget, take some time this week to write down your money coming in and out and see where you can reduce your outgoings.

“It can seem daunting, but you’ll feel good once you’ve done this.