Cost of living crisis means people are finding mortgage up, supermarket bill up and energy bills up. So I think being very careful with the shopping, buying own brands, looking at the bottom shelves in the supermarket where things are sometimes cheaper. You've got to start thinking of first of all, cutting expenditure, and secondly, maybe earning a bit more. If you earn more than a thousand pounds a year, you have to tell HMRC - but don't keep it under £1,000. Or do a little temporary babysitting job or bookkeeping for someone else's house. It can be quite fun if you find things that you don’t know what they are, check them out

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