No matter what your income or financial situation, it makes sense to stay in control of how you spend your cash. The jam-jar method– dividing your money into separate pots for different expenses – is a great way of making sure your bills are covered and your money goes exactly where you want it to.

• Before you start – draw up a budget
• Choose your spending priorities
• Using real containers such as jam-jars or envelopes
• Using separate bank accounts for different types of spending
• Opening a jam-jar account

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Managing your money using the jam-jar approach