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Budgeting and reducing debt is an important part of financial planning. Here, we offer some tools and guides to help you start.

Audit your finances and budgeting

When reviewing your finances, start with the basics

Track your cash

Keeping track of your money is easier if you set aside time

Debt

Debt is dominating the news at the moment, whether it's rising personal debt, or the national debt (money owed by the government)

Smart shopping

Everybody needs to spend money, but if you shop wisely you can reduce your debt at the same time

Student loan debt

Many students leaving university now have debts of tens thousands of pounds