3 Easy Steps to Manage Your Money Like a Pro

Let’s be honest – managing your money can feel a bit overwhelming sometimes. Between saving up for things you really want, keeping track of what you’re spending, and making sure you’ve got enough left over, it’s easy to lose track. But with CLEVR Money, it doesn’t have to be complicated. Here’s how you can stay on top of your cash without the stress.

First step to managing money:

First things first – you need to know where your money’s actually going. It’s surprising how quickly small spends add up, whether it’s snacks, mobile, or that streaming subscription you barely use. Most banks have tracking tools that show you exactly what you’re spending, so you can spot where you might be wasting cash without even realising it. Once you know, you can start making smarter choices.

Second move:

Next up, budgeting – but not the boring, restrictive kind. There’s a simple trick called the 50/30/20 rule. Basically, you spend 50% of your money on needs (transport, lunches...), 30% on fun stuff (like entertainment or social events), and 20% on saving or paying off any debts. Just remember this money should be calculated after you pay your bills.

Speaking of saving, the easiest way to do it is by making it automatic. Even if it’s just a few quid each week, setting up a regular transfer to your saving account means you’ll build up a safety net without even noticing. Before you know it, you’ll have enough put aside for something big – like new appliance – without having to scramble for cash last minute.

Debts? Don't Panic!

If you’ve got any debts, like an overdraft or any contract to pay off, don’t panic. There are two smart ways to tackle it. You can either focus on paying off the debt with the highest interest first (which saves you more money in the long run) or knock out the smallest debt first (which feels satisfying and keeps you motivated).

Finally, planning ahead doesn’t have to mean spreadsheets and complicated maths. Whether you’re saving for a holiday, a new pair of trainers, or just a bit of backup cash, CLEVR Money helps you set goals and watch your progress. Even small amounts add up over time – it’s all about taking it step by step.

The best part? You don’t have to be perfect at this. Managing money is just about making small, smart choices that work for you. With CLEVR Money, it’s easier than ever to stay in control.

Ready to give it a go? Sign up today, it’s free, simple, and might just change the way you think about money.

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