We are never
beaten on price!

Whether you're in the market for a budget-friendly smartphone or the new iPhone 12, you should always be in search of the best possible deal. You might believe that you have found a great value offer, but is it actually the best one available for your circumstances?

When it comes to finding the best mobile phone deal, there are various different factors to consider. Here are some of the main ones which will assist with securing the right phone - and deal - for you.

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Ever feel like you're the worst person ever at managing finances? Think again! We're all guilty of overspending, ignoring our debt, or even wasting money from time to time. In fact, there are several common mistakes we are all making regularly.

Of course, just because it is a regular occurrence, it does not mean it is something to do. The word 'mistakes' should be a big enough clue. By continuing to follow on this path, you will only sink further and further into a financial hole.

To avoid this from happening, it is essential to identify the money mistakes you make. The following five points are likely ones that sound familiar to you.

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Managing your financial affairs can be tough. With bills to pay and all of life's essentials to purchase, it can all be a delicate balancing act. Plus, this is not even factoring in the possibility of a financial emergency cropping up.

Do not believe that a financial emergency will never strike, either. Whether it is a car breakdown or a funeral, emergencies that can decimate your bank balance will appear when you least expect it.

So, what can you do to make sure you don't get caught out?

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When we live through such uncertain times, it's natural to look around and see where you can start to save some money.

One area where everyone spends a good chunk of their expenses is on the weekly food shop, and this means there are plenty of savings to be found by carefully planning out what you buy.
Food substitutions are a great way to budget cook, and you can find they don't take anything away from the enjoyment of eating.

Instead, what you will discover is that they help you make significant savings on your food shopping, which can add up over the weeks and months.

Here's how you can use food substitutions to save money in your home cooking.

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For many people, the financial repercussions of months in lockdown will be worrying. Some people have lost their jobs, others have been furloughed, and some have been able to carry on as normal, but for everyone, it's a good time to think about financial planning.

A large part of that financial planning will be understanding what expenses you have and finding ways of reducing the ones that are unnecessary. We all have fixed expenses that we need to survive, but we've also got plenty of costs that we could quite easily do without.

So, what are some steps you can take to reduce expenses during lockdown, and how can you go about doing it?

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No matter how much planning you do, there are just some events you can't equate for.

The coronavirus pandemic has been one such event, and it's one that will have put a lot of strain on people's finances.  This means many people will be forced to take a look at their finances during this period and come up with a plan to aid them through the next few months.

Luckily, we have highlighted below eight places to start when you're planning your finances during the Covid-19 pandemic.

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