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Take control of compulsive spending
Get your finances back on track
Compulsive spending can affect us in different ways. You don’t have to be struggling financially to be worried about the way you manage your money.
If you want to take control of your spending habits, we have some tools and tips to help.
Buck your spending habits
There's a step-by-step plan to take back control.
1. Budget like a boss
Getting better at budgeting can help you take control of your finances over the long term. It can also make it easier to stick to a monthly plan. Understand what’s coming in and going out by using our handy budget calculator.
Making small changes can help you control the urge to spend compulsively.
Try changing your contactless limit, deleting apps and blocking notifications from shops that tempt you.
Our budgeting tips page has lots more really helpful guides and tools to help you.
2. Understand your borrowing
Stay on top of any debt you have, such as loans, overdrafts and credit cards. We have tips, tools and advice to reduce the cost of your credit and manage your bills.
Check your credit score for free. It won’t affect your credit file and can show you what you’re doing well, and what to work on to boost your score.
3. Control your cash
Our spending insights show you exactly where and when you’re spending, and our app notifications can help you understand your spending habits.
It’s easy to buy online or to sign up for services you might not need and not realise where that money is going. You can review and manage your subscriptions online directly with us.
If you have a credit card, then managing your card balance, repayments and credit limits is really important. You need to make sure you don’t fall behind on payments. Understanding any interest, fees and charges can also help you manage your money better. You can also quickly freeze and unfreeze different types of debit or credit card payments, such as contactless or gambling transactions.
4. Keep saving, kick spending
Regular saving could help break your habit of spending money you might regret. We know it’s not always easy to save, so our savings tips might help get you on the right track. Our free savings calculators can help you create a savings plan and work towards your goal.
5. Seek support
You can also get help with your spending habits from free and independent organisations.
Our partner PayPlan can create a personalised action plan for your money with help available online or over the phone. StepChange can also help get your debt under control with free and impartial advice.
If your money problems are affecting your mental health, it can be difficult to find the right path forward, Mental Health and Money Advice are there with valuable techniques to help you today.
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