Some changes to your weekly outgoings, such as buying supermarket own-brand items or switching to a cheaper supermarket can make your money go further. Consider reducing your spending on non-essential items, such as buying gifts, as well as reviewing your essential expenses.Cashback apps can earn you small amounts of cashback when you spend money at a variety of shops online, which you can save up for future use.As a bonus, buying used items is also more sustainable Oxford has some great charity shops and markets, where you can often find second-hand clothes and other items for much lower prices than if they were brand new.If you do decide to use buy-now-pay-later, update your budget to include the repayments to avoid any late repayment fees. If you can't afford an item now, consider whether you will be able to afford it by the repayment date, or whether you would be buying it at all if paying later wasn't an option. Wait until the next day and see if the item still seems essential before buying Try not to make impulsive purchases based on targeted adverts online or on social media. Having to pause to input your card information each time you spend will give you extra time to consider whether a purchase is really necessary
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