finance sheets and charts

One of the biggest woes in many people’s lives is their finances — usually due to not having enough funds in the bank.

This is especially so at the moment, with the cost of living soaring higher than ever. However, the struggle can be eased by a little bit of clever organizing and consideration.

If you have your finances clearly set out for you to see and easily access, then your money will be easier to manage.

man working on financial documents

Here, we are going to take a look at the top ways for you to organize your finances. 


Whether or not you’re reaching an age where you’ll be accessing your pension soon, you can still get your pension more organized for when the day comes that you do need it.

First things first—do you have various different pension pots from the multiple places you’ve worked over the years? You should perhaps start a pension transfer so that you can consolidate all of your different pots.

This way, everything will be in one place and you can see exactly how much you have accumulated, as well as how much you may need to add to get your desired payout when you retire. 

Budget Planning

By having a budget plan for each month, you’re going to spend more consciously than ever. Take into account how much you need to live, how much you want to save, and how much you want to have left over to play with.

If you have this in place and stick to it, then it’ll be much easier for you to make the most of your money. You’ll also be able to see where you may need to cut back and where you can afford to spend a little more. 

Create a Spreadsheet

Do you know how much money you currently have to your name? You’ve got your savings, investments, cash in the bank, possibly even physical cash… how much does it all amount to? If you’re not sure, then now is the time to find out.

Create a spreadsheet that documents all the funds you have. With this, you can then work out where you may need to focus going forward, and how much you may need to save for large purchases, such as for a car or home

Use Smart App Banks

Many of the more ‘modern’ banks out there can help you to track where your money goes better than ever, with the help of easy-to-use apps.

For example, with some providers you can see in a matter of seconds how much money you’ve spent at a certain shop or restaurant each month, whilst each of your spends you can put into a specific category, such as entertainment or eating out.

This will allow you to track where your money goes so that you can evaluate your spending. It can be really eye opening and useful to look at so that you can see exactly where your money is going, making it more obvious where you should save.