Budgeting can feel overwhelming, and it's easy to ignore the need for it. But creating a budget doesn't have to be daunting. Think of it simply as making a plan for your money. Whether you earn a little or a lot, it's essential to know where your money is going to ensure it's working effectively for you.

Saving money is a priority for many of us who are always on the lookout for ways to make their pounds go further. One of the most effortless ways I have found to do this is by using cashback apps.