being independent with money isn't going well

My approach to saving is a bit radical like all my ways.

I do not transfer money to another account with similar interest only to pay overdraft charge on main account and call it saving :P That was my ex. LOL

I found that it is better to organise your shopping habits, and schudule them, if it not something immediate. Saves lots of money, like a colleague discount on all you buy.

1. If you have Aldi nearby shop there. I do except heavy stuff, to lazy to carry.

2. Otherwise Asda, Tesco, Sainsburys, similar range prices. 

3 Use Tesco and Sainsbury's customer loyalty card, discounts like £8 of £40 once a month is a nice bonus.

4. Heavy and not immediate items you wait for discounts on them in chosen store and order online when you have to order over minimum order to avoid additional charge.

5. I buy myself a christmas and  a birthday gift, waiting until something i want turns up somewhere on discount. this way you might avoid spending to improve mood syndrom.

6. Just in case set up planned overdraft, it's cheaper then unplanned overdraft.

7. I buy everything on credit card, in the bank where I have main debit card. This way you are not charged for paying it off if you do it on time. This way you have to pay for it before the end of next month. Ammount from last statement before payment due date. Use loyalty option there if available.

8. Set up direct debits on main debit card account. Only them there makes it easy to have on overview of all bills you pay.

9. Change suppliers of everything every year, New deal elsewhere is always better. UK's supplier have a rule loyalty penalty. Including phone if initialy you took deal with something, not just card with minutes.

At the moment I do not remember if there was something else.

O that paying of credit card tell you how much you spent previous month on food, alcohol, tabaco, and other unhealthy habits. :P

My approach to saving is a bit radical like all my ways.

I do not transfer money to another account with similar interest only to pay overdraft charge on main account and call it saving :P That was my ex. LOL

I found that it is better to organise your shopping habits, and schudule them, if it not something immediate. Saves lots of money, like a colleague discount on all you buy.

1. If you have Aldi nearby shop there. I do except heavy stuff, to lazy to carry.

2. Otherwise Asda, Tesco, Sainsburys, similar range prices. 

3 Use Tesco and Sainsbury's customer loyalty card, discounts like £8 of £40 once a month is a nice bonus.

4. Heavy and not immediate items you wait for discounts on them in chosen store and order online when you have to order over minimum order to avoid additional charge.

5. I buy myself a christmas and  a birthday gift, waiting until something i want turns up somewhere on discount. this way you might avoid spending to improve mood syndrom.

6. Just in case set up planned overdraft, it's cheaper then unplanned overdraft.

7. I buy everything on credit card, in the bank where I have main debit card. This way you are not charged for paying it off if you do it on time. This way you have to pay for it before the end of next month. Ammount from last statement before payment due date. Use loyalty option there if available.

8. Set up direct debits on main debit card account. Only them there makes it easy to have on overview of all bills you pay.

9. Change suppliers of everything every year, New deal elsewhere is always better. UK's supplier have a rule loyalty penalty. Including phone if initialy you took deal with something, not just card with minutes.

At the moment I do not remember if there was something else.

O that paying of credit card tell you how much you spent previous month on food, alcohol, tabaco, and other unhealthy habits. :P