This is the  3rd episode in our Back to Basics series and we are looking at practical tips on reducing those expenses which you have to afford - like your mortgage or your rent etc. All too often people feel like there is nothing they can do about those but actually, there is a lot you can do and that starts with you choosing to be in control of your budget.

Have a listen and if I can help you further contact me at [email protected] or find me here or on Facebook here or if you are interested in taking an online course you may want to check out our "Money School" here