How to boost your budget

So you've already created your budget plan and know what you've got going out and coming in, now you are ready for the next step.

Here are 7 easy steps to improve your budgeting:


31 Jul 2017

1. Make a list

Whether it’s for the weekly shop or the kids’ school uniforms, deciding what you need to buy before you hit the shops or click ‘add to basket’, will help you keep on top of your spending.

Set yourself the challenge of sitting down for 5 minutes before you go shopping (or online) to work out what you need to buy.

Having a list and sticking to it will prevent you from ‘browsing’, which is when those luxuries or extras you didn’t intend to buy often make their way into your trolley!

2. Order online

Food shopping can be one of our biggest weekly expenses. If you cruise the aisles and pop any old thing in your trolley as you go, maybe it’s time to start ordering online?

When shopping online, your eyes can’t wander to those luxury nibbles next to the checkout, or end of aisle special offers you really don’t need.

Just like setting up a list of regular expenses, planning a regular order with your essentials could save you time as well as money. And with, once you have set an order once, you can easily re-order - saving you time and money.

3. Get sale savvy

Bargains are great aren’t they? But let’s be honest, how many times have you bought something on sale just because it was cheap? Always ask yourself:

  • Can I afford this?
  • Do I really need this?

This is a simple rule, but you could be denting your budget by grabbing deals without thinking. It’s only a bargain if you are getting something you need at a cheaper price.

We know it can be tempting, but take a breather after spotting a deal, look at your month of spending ahead, and then make a smart decision before splashing out.

4. Unsubscribe from sites

Being able to buy whatever you want at the touch of a button is great, but what’s not so great is when your inbox is filled with daily sales messages.

It can be tempting to jump on every great deal that comes your way, but a sure fire way of cleaning up your finances as well as your inbox, is to unsubscribe.

Try - a great tool that will go through your inbox and unsubscribe you from all those regular sales emails.

5. Use loyalty cards regularly

No matter what kind of budget you’re on, you’ve still got to eat. So if you visit a particular shop regularly, swipe your loyalty card.

You’ll notice that the points do add up and can be used for discounted goods as well as great family days out - treats that you would otherwise have to fork out for. Find out what rewards you could collect with a Tesco Clubcard.

children on fairground ride

6. Make your money work harder for you

There are various accounts and credit cards on the market that give you points, perks and discounts when you spend. For example, our debit card links to your Clubcard allowing you to collect Clubcard points when you shop both in and out of Tesco.

Try our current account Tesco Clubcard rewards calculator to see how many extra Clubcard points you could collect from your typical spend.

7. Get into good spending habits

We’re sure you’ll now agree that by making small lifestyle adjustments and changes to the way you spend and save, you can squeeze even more out of your budget. Once you get into good spending habits it will become second nature and so should having a healthier-looking bank balance too.

Important information

1 Clubcard point for every £1 spent in Tesco plus your normal Clubcard points and 1 Clubcard point for every £8 spent outside Tesco in each debit card purchase transaction. Clubcard points collection rates are subject to change. Exclusions apply and there are some products at Tesco you can’t collect points on, see the Tesco Clubcard website for details at

The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points. The Tesco Bank Current Account is available to people aged 18 or over. Accounts are subject to status.

The content on this page aims to offer an informative introduction to the subject matter but does not constitute expert financial advice specific to your own situation. All facts and figures were correct at time of publication and were compiled using a range of sources.