You can’t be a big spender and a big saver at the same time. If you spend more than you have the difference will have to be borrowed and thus the cost of debt begins. Take your time when spending as the purchase of many consumables relies on impulse buying. If you cannot get a handle on your spending, make a note of your purchases for a set period (e.g. a month) to get a true perspective of your spending habits.
Black Financial Solutions Ltd is authorised and regulated by the Financial Services Authority (FSA) reference number: 492751 and is a member of the Services Insurance and Investment Advisory Panel (SIIAP).
Black Financial Solutions Ltd, registered in England. Company registration number 6733033.
Registered Office: Office 404, 4th Floor, Albany House, 324/326 Regent St, London, W1B 3HH. Our FSA firm reference number is 492751.
The guidance and / or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.