When it comes to money we tend to fall into three main categories: spend less than we earn, spend what we earn, spend more than we earn. If you’d like to have more money each month or want to get control of your finances read on.Create some good financial habits by taking a look at where you are now. Where do you want to be? Follow these tips to help you get there. - Keep a money diary for a week. If you don’t know where you spend your money, you can’t start making changes.

At the end of the week look at where it all went. Can you see any areas where you could make changes?- What is your minimum survival income? How much do you need to pay for the basics like mortgage, rent, insurance, bills, food and car each month? Aim to save at least three times your monthly survival income with easy access in case of emergency.- Your monthly expenditure. Work out what you spend monthly on everything else: meals out, entertaining, clothes, holidays, presents, credit card repayments etc. etc. Including the basics, compare your total outgoings with your income. Where’s the fit?

What are any debts costing you each month? How much do you pay in interest? What would you rather be spending that money on? If you can create some spare income each month can you put it towards busting’ some of your debt. Contact me for a specific debt-busting exercise.- Save 10% of your income. As a minimum put aside at least 10% of your monthly salary. You never know when you might need it. Place it somewhere with easy access, preferably earning interest not under the mattress!- Search around for the best deals.

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