Image courtesy of

There are many people that do not get paid a large amount of money. It can be difficult to manage when you do not have as much money to play with as other people and you may feel it is unfair. However, there are some tricks that you can try, which will mean that you will spend less money on things, which will help you to manage a lot better.

Firstly you need to make sure that you are not overspending on things. Many people pay more than they need to for a lot of things and if you can reduce the cost of everything that you buy, then you will be able to manage more easily. To do this you can compare utility companies, lenders, banks, supermarkets and insurance companies and check to see whether you are paying too much. Obviously it is important to make sure that you are getting good value for money as it is no good paying less if you are not getting much for your money. To check this you can find out more about the thing that you are buying and read reviews in order to decide whether it is worth it. You could end up saving bits of money here and there which could really add up.

Often we buy things that we really think that we need, when actually we can do without them. These are luxury items, which are commonly used by everyone and may be a big drain on our finances. Things like mobile phones, subscription television, apps, new clothing and take away meals may fit into this category. They can be expensive and they are a big part of modern life but they do cost a lot of money. There may be ways to use them less so that you can save money, so it is worth thinking about.

It can sometimes be tempting to buy a lot of things or to get certain things because you want to be the same as others. This might be because you want the same things that they have or that you feel pressure from society to own them. When this happens we may be spending money on items that we are not even that enthusiastic about owning. It is worth thinking about the types of items you are buying and whether you really are getting good use out of them, whether that means enjoying them, using them or whatever. For example, if you buy fresh flowers each week, consider whether it might be better to buy a plant, which will last much longer and could potentially give you as much pleasure. With clothing, have a look through what you already have before you consider whether you need to buy new ones. Also consider certain brands of items you buy and whether it would be better to switch to cheaper ones and whether it would make any difference, apart form to the price.

Therefore, just being more conscious about your spending can be a really useful way to reduce the amount that you spend.