DealAlerts

Your 20s are the foundation for lifelong financial security. Start building smart habits now, and you’ll save yourself years of stress later. 1. Start Budgeting Early Use apps like YNAB or Mint to understand your cash flow. Awareness is step one to control. 2. Build an Emergency Fund Aim for three months of expenses—it’s your safety net when life throws curveballs. 3. Avoid Lifestyle Inflation As your income grows, resist the urge to upgrade everything. Bank the difference instead. 4. Invest Now, Not Later Even small, consistent investments in ETFs or retirement accounts can snowball over time. 5. Learn to Negotiate Whether it’s your salary, rent, or bills—negotiation skills directly impact your financial future. Your 30-year-old self will thank you for every good decision you start today. Small, smart steps now equal big peace of mind later.

Energy bills are expected to remain high throughout the winter, and many UK households are already feeling the squeeze. But there are proactive steps you can take right now in October to get your home ready, lower your usage, and benefit from current schemes and deals. Smart Meter Freebies: Most energy providers are offering free smart meters — and while it may not sound exciting, they can give you real-time insight into how much energy you’re using. Seeing exactly how much you spend per hour is one of the most effective ways to cut back. Government Help — Warm Home Discount: The Warm Home Discount scheme opens this month. Eligible households on low income or benefits can get £150 off their winter electricity bill. Check with your supplier as soon as possible, as applications often fill up quickly. Broadband & Energy Bundles: Comparison sites like Uswitch are highlighting bundle deals where switching your broadband alongside your energy tariff can save over £200 a year. October is ...