Getting through the week on a low income can be hard, but with a few changes, it can be easier.

Here are a few tips:

1. As always, create a budget

When you don’t have much coming in, you have to make sure you have enough to pay for the essentials. Creating a budget and checking your bank statements will show you what you earn and how you’re spending it.

2. Maximising any entitlements

If you are getting financial support from the government, contact them to make sure you are getting everything in your entitlements.

3. Choose a suitable bank account or loan

Choosing the right bank account can make sure that there are:

  • No account keeping fees
  • Free monthly statements
  • No minimum deposit amounts
  • No overdrawn fees

Some charitable organisations may help low-income earners with their saving goals

4. Getting the right help

Financial counsellors provide free assistance to people in financial difficulty. They can show you how to budget, manage your debts and help you deal with other money problems.