What you’ll learn

In this guide you’ll discover six concrete ways to keep your digital wallet on track, from setting automatic limits to tracking every spend in a single view. Each tip is backed by a specific action you can start today.
How much can a phone really save you?

When I first downloaded a budgeting app, I expected the same vague promises that every finance site offers: “Track your spending, save more.” The reality was a dashboard of charts that made me feel like a data scientist. After a month, the app had nudged me to cut my coffee budget from £3.50 a day…