Never be ashamed to claim entitlements. They are there as a safety net to prevent you going under.
So how can you stretch your money?
Think before you buy
Snap purchases, as in Sales, may not be a bargain in reality. If you neither need nor really want them they are just a waste of money.
This may be simply writing down your outgoings and money coming in, plus using a shopping list. You do need to work with some sort of budget though. If not it will "all end in tears." You need to keep track of the essential money going out, for example rent and council tax, before you look at non-essentials.
You do need to live
Life is for living and just because money is tight you should not restrict yourself to the extreme. It is all about managing your affairs effectively. Quitting smoking, for example, could save you a small fortune. However if you love to smoke or find it hard to quit, and can afford few pleasures, limiting your cigarette intake may be a better option.
It is easy for others to give advice but it is your life to live. Having lived on a tight budget in the past this writer know it is not easy. It is however possible, if you make the right choices. Swapping a car for a bike can save money, improve your health and benefit the environment, but ultimately the choice is yours.
These days we are often sucked into the consumer lifestyle. It becomes all too easy to believe that without "things" you will not be happy. That is simply not true. Choose selected "things" which matter to you rather than buying here and there resulting in cupboards full of unwanted items.
Remember to ensure that you never cut basics such as healthy food but rather cut out expensive take-aways and processed food stuffs.
You must keep a roof over your head which, if you live in England, means paying your council tax and rent or mortgage.
How To Do...........
Guides and articles all (C)
Leo's story - heart failure in dogs
This is a mini-series following Leo's heart-health journey and his final years.
"When your dogs illness cannot be cured, Part One
You can find "When your dogs illness cannot be cured Part Two here
plus "When your dogs illness cannot be cured Part Three"
"When your dogs illness cannot be cured Part four"
and finally "When your dogs illness cannot be cured the last goodbye."