

We've included some helpful tips and resources within this page to support you in managing your finances.
If your circumstances have recently changed and you have less income than you're used to, we've included some useful tips to support you:
It's important to keep your spending within your means and to save money where you can. We're here to help you get the most out of your money with a few tips on managing how you spend.
Looking to complete a budget planner? Visit our 'Budget planning' section.
Millions of UK households are on standard energy tariffs and likely overpay for their electricity and gas. In just a few minutes, you can explore whether you're able to switch to a less expensive tariff.
In a survey conducted recently, 62% of us admitted to paying for monthly subscriptions that we don't need.
Are you paying for TV and video services that you don't watch?
Cut your energy usage to lower your bills.
Food is a big part of expenditure but there are things you can do to cut down.
You may not have looked at doing a budget before, but it's your first step towards getting back on track with your finances if you're worried about them.
Completing a budget planner and seeing everything set out could help you identify ways to save money and reduce debt straight away.
If you've recently filled in a budget planner, take a look at the bottom of this section for details of what to do next.
Before you start, gather as much information ready as you can. Things like bank statements and bills will help you get the details you need to put into the budget planner.
This is an anonymous budget planner, which you can use without sharing your personal details with us. Use this planner if you just need a sense of your situation and your outgoings. Cater Allen won't see this information or be able to discuss it with you.
You can create an account and revisit this planner any time you'd like. You’ll also be given some personalised tips to help you make the most of your money and it's free to use.
If you've recently competed a budget planner, here's what to do next:
If the budget planner shows you're spending too much, take a look at 'Ways to cut your spending'.
Organisations such as PayPlan can offer free help and advice. Take a look at our 'Independent help and support' section below.
We're living through some very unusual times, and we all know that our mental health can affect how we deal with money, and equally, how debt can affect our mental health.
Take a look below at some independent third parties to see if they can help with advice and practical help.