Get savvy about saving with our useful tips and guidance.

Spending and budgeting

It's all very well saving, but you should also be looking at your spending habits as well. This is where you have to be honest with yourself and have a good look at where your money goes. After assessing your spending you may be able to identify opportunities to save more.

Keep a budget

Work out how much you're spending in a typical month. This can be quite an eye-opener. Set up a basic budget by making a note of your money coming in and your money going out. Try our excel budget calculator to help you keep track of your finances. If you need a simpler version or do not have excel use our online budget calculator.

Good spending habits

Start asking yourself questions about where your money is going and why. Is there anywhere you can cut down on your outgoings? Create targets for the maximum you want to spend in different areas like transport, food, rent, bills and entertainment. You'll be amazed at how much you spend on these things when you add it all up. Cutting back is a great way to get into good spending habits. Once you can see all your outgoings you will be able to work out what's left and how much you can save.

Managing the day-to-day

Being good with your money means always knowing roughly how much you have in the bank. It means knowing when you need to pay things off and when you need to be more careful. To help make this easier jot down when you get paid and when payments are due. For Lloyds TSB customers we also have free text services where you can choose to receive a free weekly text with your balance and the last six transactions of the week, on a day and time you choose.

Financial health specialists

If you feel like your finances aren't as healthy as they could be, come in to one of our branches and see a financial health specialist for free.

How can they help me?

Our financial health specialists have been especially trained to help with you with your finances. They will really understand your situation, whatever it may be, from problems like overspending, to temporary difficulties.

A plan for the future

Not only will they give you guidance, they will also give you an action plan and budgets to take away. You'll get help not only to get your bank balance into shape, but also to keep your finances on track in the future with better financial habits. And remember, all this is absolutely free.

How can I meet one?

Currently there are over 1500 financial health specialists in branches all over the UK - just use the financial health specialist locator to see where they are. They are also available in our Saturday opening branches.

And don't forget, all our branch staff are here to help you, so if your local branch does not have a financial health specialist feel free to pop in anyway and ask to speak to the branch manager instead.