Let’s Talk How to Spend Less

We are all aware of the current cost of living crisis, with energy prices, and food costs all increasing.
In order to still be able to afford everything you need and want you may need to cut back and spend less.
Before you can start to reduce the amount you are spending, you firstly need to work out what you are currently spending
your money on. The best place to start is by writing down everything that you purchase over a typical month, you can
then use this list and categorise each item, is it an essential or a non-essential spend.

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