How to Overhaul Your Finances and Save Thousands of Pounds

The double whammy of stagnant wages and rising costs of living has made saving money more difficult than ever for many Britons.

If you want to save money on things that don’t matter and spend it on the things that do, then it’s time to give your finances a spring clean.

Everyone should set aside time to take a hard look at their finances. Spending a few hours now could net you thousands of pounds in the future.

A good money makeover will allow you to maintain your lifestyle — but save you wads of cash just by challenging the odd nasty home truth, taking advantage of the latest deals and learning some new tricks.

Here are six action steps that will help to put more money in your pockets – where it belongs:

  1. Make a Detailed, Realistic Budget and Stick to It
    A budget is at the heart of any savings plan.

    Creating a budget will help you find a balance between spending and saving. You can calculate all your regular expenses like rent, electricity, transport and insurance by checking your bank statements, credit card statements, bills and receipts.

    You then deduct these expenses from your income. If you’re spending more than you earn, it’s time to make some cuts. Think about the things you need for basic living expenses and the luxuries you could do without.

    When you live within your means, tackling other financial goals, such as buying a house, getting out of debt, or saving for retirement becomes more doable.

  2. Save Money in a High-Yield Savings Account
    The best way to grow your savings is to start early.

    By restricting access to your money in a high-yield savings account, you will enjoy a higher interest rate than a current account.

    If you have to transfer money into your savings account manually, you may be tempted to forgo saving altogether. Setting up automatic, scheduled transfers means you won’t see money leaving your current account. What you can’t see, you won’t miss.

    You can direct all your discretionary income and windfalls to your primary account to ward off the temptation of dipping into your savings account.

  3. Pay Off Credit Card Debt
    Credit cards have a high interest which can eat into your savings.

    Paying your credit card on time and in full is a good way to avoid late payment fees and interest charges.

    Consider setting up a direct debit payment to avoid missing your repayments.

    Instead of plastic, use cash. Handing over physical pounds for your daytime outings or nights out will encourage you to rethink your spending—and may help you spend less.

  4. Control Your Impulses
    Online shopping and credit cards have made it easier than ever to spend money. More often than not, we splurge on things we want rather than need.

    The goal of most shops is to make you spend as much money as possible. Before you go out shopping, write down a list of what you intend to buy and never shop while hungry.

    Another way to short-circuit your impulse is to wait for at least 30 days before making a big-ticket purchase.

    Put that item on a wish list somewhere and return after the 30 days are over. If you still want it, go for it! But if you feel like you no longer want it, then congrats! You’ll have saved yourself lots of cash on something you didn’t even really want!

  5. Plan Your Meals
    Meal planning is a proven way to stay within budget and save money.

    When you know what you’ll eat for the week and shop accordingly, there will be less need to visit the grocery store. Extra visits mean spending more money or even wasting food.

    Cooking at home and carrying packed food instead of buying lunch will save you a few pounds each week.

  6. Do a Benefits Check-Up
    If you’re claiming benefits, chances are it’s probably been a hot minute since you last checked that you are receiving everything you’re entitled to.

    This list of recommended benefit calculators will let you know what you need to have before starting the check-up.

    Even if you feel you’re not eligible for more money, it’s worth a try. Who knows? You might be entitled to Tax Credits or Child Benefit.


Knowing what financial lifestyle changes to make is vital if you’re working toward a financial goal.

Lasting financial success takes time, so take it a step at a time.

The information provided in this document is an opinion and is for informational purposes only. It is not intended to be and should not be construed as investment advice. Seek a licensed professional if you are in need of investment or financial guidance.

This website is using Google Analytics. Please click here if you want to opt-out. Click here to opt-out.

Nick Hawkins

Legal Partner



Nick Hawkins has been a senior Corporate Barrister Partner at the 200+ partner UK and international law firm GunnerCooke LLP since 2016, and also works on investment matters and sits as a Director/NED on various Boards. He has well over 30 years’ experience of advising Companies and organisations, both as an external lawyer, and at Board level as in-house Legal Director or equivalent.  Nick was also a Conservative Member of Parliament for 13 years, serving in junior roles in MoD and DNH (now DCMS)  in John Major’s Government, and as a Shadow Minister in 3 successive Shadow administrations. His most senior role was Shadow Solicitor-General.   

sima kanan

Sima Kanan

Legal Partner


Antony Cotterill


Antony is a wheelchair tennis player who competes at an elite level, with career highlights including a 2-time World Team Cup world champion (wheelchair tennis version of the Davis Cup), Doubles Masters world champion, and numerous ITF titles in both singles and doubles. He has represented GB for over 13 years and also represented GB at the 2016 Paralympic Games in Rio. His career high world rankings are ‘5’ in singles and ‘3’ in doubles. He is really excited to be part of CurveBlock as he sees two of his interests outside of tennis – property and Blockchain – together in an amazing project.

david reed

David Reed

Venture Partner



Former Director of Business Development for NatWest Bank with more recent experience in a startup disruptive law business, global property investment business and fast growth peer to peer lender, has agreed to join the CurveBlock team & ecosystem as a venture partner and to work closely with the CurveBlock co-founders on various verticals of the business.

This will include continuing to mentor the CEO, as well as future land venture collaborations, real estate development deal flows and strategic investment direction which will enable CurveBlock to continue to grow and realise its ambition in becoming a key UK player in the construction and delivery of modern method renewable energy houses.

Simon Cocking

Marketing, Media and PR Specialis


LinkedIn Simon Cocking is Chief Editor at Irish Tech News, CryptoCoinNews and InvestInIT – with over 1.5 million+ combined unique monthly views and growing. He is also the top ranked member of the ‘People of Blockchain’ (#1 for 2018 based on total funds raised). He is also a business mentor and advisor working with 200+ successful ICOs to date. He has also been named many global Twitter influencer lists in the last 12 months. He is an accomplished public speaker at events including TEDx, Web Summit, and overseas in Pyeonchang, Amsterdam, Dubai, Delhi, Kiev, Singapore, Moscow, Tel Aviv, Madrid, Tbilisi, Riga, Porto, Dublin and Helsinki in the last 12 months. He has been based in Ireland for over 22 years and has cofounded or founded seven successful companies.


Keith Madeley, MBE



paul large

Paul Stallard MBA. Fellow LIBF. FCIM

Venture Partner


Matthew Couch

Co-Founder / MD - Land & Development


Matthew has 15 years experience in the real estate sector working with developers, agents and investors – both on the client and delivery side. Matthew has vast experience in sourcing development sites with and without planning, or sites with capacity for planning gain – both on and off market and across the UK. Matthew has developed a reputation for being able to add value to existing sites with consent by improving unit mix, optimising unit plans and delivering additional capacity on both surplus and under utilised land. Having been involved in the acquisition, development and sales functions for a number of developers (both regional and national), Matthew has an acute understanding of the complexities of the development process and how to unlock access to additional revenue streams (entry and exit), complex financial modelling and exit strategy planning to meet, and improve upon, required financial returns.

Jordan Cohen

BIM Specialist


Roger Ransome



Following a successful career in corporate IT for several multinational enterprises, responsible for             multi- million pound infrastructure projects, Roger brings real-world experience of IT Technical Architecture, Networks & Security, and Systems Design to CurveBlock. Since 2004 Roger has been a property investor. In addition to this he founded a successful business in 2015, gaining useful experience in finance, marketing and other business skills. He is passionate about crypto and the many use cases and efficiency benefits it brings.

Joey Jones

Co-Founder / Chief Revenue & Compliance Officer


Joey has many years of business management experience building successful teams and companies. Joey is also a Former Registered Investment Adviser with 37 agents geographically dispersed, and has built business from $0-$50M+ portfolios. This experience gave Joey deep understanding and knowledge within the Securities Compliance Arena. Working in the computing space for the last 10 year, and blockchain since 2016, Joey connects quickly with any target market and communicates well with all parties and publicly, which will have a substantial impact for CurveBlock around the world. Certificate of education in Blockchain and Digital Equity from University of Nicosia.

Gary Woodhead

Co-Founder / CEO


With over 29 years construction industry experience, not only within the real estate development market but also other development sectors such as Commercial, Industrial & Agricultural developments. Along with Gary’s extensive construction experience & knowledge he’s also deeply involved in the world of Blockchain. Successfully scaled one of Europe’s largest building materials manufactories over 4000% leading to a private equity buyout during 2016.