3 Simple Tips For Improving Your Finances

As a mum, homeowner, and someone who has navigated everything from tight budgets to big financial decisions, I know how overwhelming it can feel when money suddenly becomes “one more thing” to manage. But improving your finances doesn’t have to mean strict routines or complicated spreadsheets. Most progress actually comes from small, gentle shifts. The kind that fit into real life and build confidence over time.

Here are three simple, doable tips for improving your finances that anyone can start today.

this for later

Make a Budget

It’s hard to get on top of your finances without knowing where your money goes each month. It’s easy to lose track when bills, food shops and little extras all add up. 

Making a budget helps you see what’s coming in and what’s going out so you can decide where to make changes. You don’t need fancy tools; just start with a free budget planner. 

Write down what you earn each month and list every expense, from rent and groceries to takeaways and subscriptions. When you see it all in one place, it’s much easier to spot where you can cut back.

Build an Emergency Fund

Life happens. Boilers break, cars need repairs and sometimes jobs change suddenly. Having an emergency fund gives you peace of mind when those things come up.

Aim to save 3-6 months of expenses, but don’t worry if that feels out of reach right now. The key is just to start; even £10 or £20 a week adds up over time. 

Open a separate savings account and move a small amount into it every payday. Think about it like any other bill you have to pay. That way, when something unexpected happens, you’ll have a cushion to fall back on instead of needing to borrow.

Improve Your Credit Score

A good credit score makes borrowing easier and cheaper. If yours isn’t where you want it to be, you can still take steps to build it up again. 

One way is by using a credit card for bad credit, which is designed specifically for people who are rebuilding their borrowing power. Use the card for small, regular purchases, such as groceries or fuel, and pay it off in full every month. This will help show lenders you can borrow responsibly. 

Avoid applying for lots of cards at once, as that can bring your score down. Over time, steady and sensible use will help your score grow.

Before You go

Improving your finances doesn’t happen overnight, but every step you take builds strength, clarity and confidence. Keep going, stay gentle with yourself, and celebrate the small wins. They’re the ones that create real change.