Carina Duan

OK, I think there's a few things that people need to do.

I'm a big fan of writing down where your money goes, because I do think it has, when you look at it on your phone and you're scrolling through, I don't think it has the same impact as if you actually take out the pen and paper.

So I think the first thing about managing your money is actually knowing where it goes and where it really goes, not where you think it's going.

The amount of people that I've met throughout the years that would say to me, oh, no, I'm very good with my money and I don't spend that much, but yet they've nothing left at the end of the month.

So take out a bank statement from last month and write out what's coming in and what's going out.

And then you start to kind of build a picture, you know, even get a few different highlighters or something.

And, you know, your needs are your things like your mortgage, your rent.

you know energy we've just been talking about that on the programme so they're the kind of things that we need to have your food shopping okay and then start identifying okay what are the things that are nice to have but they can sometimes be the first thing then that you can establish that maybe I can pull back on them

A lot of times when people talk... Now, we don't want people to be miserable either.

Yes, I was talking to one of the girls outside and I was saying, I'm a big believer in buy the coffee, you know, because things are tough at the moment.

And for some people, it's tougher than others.

And for some people, especially with remote working, they mightn't get to talk to many people during the day.

So, you know, going out buying the coffee, I don't think at the end of the month for a lot of people is going to be the make or break thing.

But it is things like, you know, your electricity bill.

When did you review it last?

Your gas bill.

You know, looking at things like that, that you might be able to knock a bit of money off.

Things like your mortgage as well.

You know, a lot of people, when they take out the mortgage, they're so...

You know, they're concentrating so much on what is going to be the rate and then it begins to roll over.