🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 188 (from laksa046)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa188.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.hsbc.co.uk/savings/everyday-spending-hacks/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.hsbc.co.uk/savings/everyday-spending-hacks/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/","crawl_time":1775893627,"first_indexed_time":1605777898,"http_code":200,"src_unparsed":"uk,co,hsbc!www,\/savings\/everyday-spending-hacks\/ s443","src_root_hash":"4645315167414006588","history_drop_reason":null,"meta_title":"Best Ways To Save Money | Money Saving Tips - HSBC UK","meta_descriptions":["You don’t have to constantly cut back on the things you enjoy to grow your savings. Here are some ways to save money without feeling like you’re missing out."],"attrs_boilerpipe_text":"It can feel difficult to grow your savings without having to constantly cut back on the things you enjoy.\nIf you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out.\nCheck your utility providers\nReduce your spending at the supermarket\nCancel unnecessary subscriptions\nLook into certain benefits\nCheck what you're entitled to\nSetting out what you’re spending\nand where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use.\nUse 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have.  \nOur\nbudget planning tool\ncan help you get started. \nYou could also use\nmoney management tools\nto help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both.\nComparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband.\nEven saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your\nsavings account\n. You could set up a \nstanding order\n so you don’t even have to think about it.\nGet more tips about \nmanaging your bills\n.\nFood shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending.\nFind out more about \nhow to save money at the supermarket\n.\nMaking small changes can help reduce possible fuel costs. Here are some ideas:\nLook for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre\nTake advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers\nAccelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily\nRemove any excess weight from the car\nLower your windows rather than using the air conditioning when it’s hot\nCheck the pressure of your tyres regularly to make sure they’re at the right level\nWhether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them. \nLook at your transactions and make a list of all the subscription services you’re paying for. \nAre there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them.\nFind out more about \nsaving money on your subscriptions\n.\nWhen shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal.\nIt can pay to do a bit of online research to find the latest discounts.\nLike with your bills, if you’re able to, you could add any money you save to your savings account.\nWhether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums. \nPaying annually or increasing your\nvoluntary excess\nmay be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim.\nYou may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around. \nExplore:\nHow to save money on your home insurance\nIf you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments. \nCredit card debt\nA balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments.\nPersonal loan, overdraft and credit card debt\nA debt consolidation loan may offer a lower interest rate than \noverdrafts\n, credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan.\nKeep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term. \nFind out more about \nhow debt consolidation loans work\n.\nMortgages\nIf you have a mortgage, you may want to look at \nswitching your mortgage rate\n or\nremortgaging\n, to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another.\nThere may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide.\nYou may be able to claim certain benefits from the government. There’s a \nHelp to Save scheme\n, as well as \nUniversal Credit\n and other services that can help with things like your energy costs.\nSee what other \nbenefits you may be able to claim\n.\nBillions of pounds of government benefits and allowances are going unclaimed. You can \nuse this free calculator\n to find out if you’re missing out.\nBook a financial health check\nYou can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service.\nThey won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you. ","attrs_markdown":"## Planned maintenance\nClose\n\nMobile and online banking will not be available on Sunday 12 April 2026 from 01:00 to 03:00 due to routine maintenance.\n\nIf you need to authorise a card transaction, please select the one-time passcode via SMS (SMS OTP) option. Accessing your accounts via Open Banking may also be affected during this time.\n\nWe're sorry for any inconvenience.\n\n[Our website doesn't support your browser so please upgrade](https:\/\/support.microsoft.com\/en-gb\/windows\/internet-explorer-downloads-d49e1f0d-571c-9a7b-d97e-be248806ca70).\n\n- [Skip page header and navigation](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#top-of-content)\n- [Personal](https:\/\/www.hsbc.co.uk\/)\n- [Private](https:\/\/www.privatebanking.hsbc.com\/about-us\/)\n- [Business](https:\/\/www.business.hsbc.uk\/en-gb)\n- [Corporate](https:\/\/www.business.hsbc.uk\/en-gb\/corporate)\n\n- Language English\n- [Register](https:\/\/www.hsbc.co.uk\/register\/)\n- [Back to my accounts](https:\/\/www.hsbc.co.uk\/online\/dashboard\/)\n- [Log on](https:\/\/www.hsbc.co.uk\/online\/dashboard\/)   [Log off](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#cpi)\n\n[![HSBC UK](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/logos\/hsbc-uk.svg)](https:\/\/www.hsbc.co.uk\/)\n\n- Banking  Accounts & services\n  [Current accounts](https:\/\/www.hsbc.co.uk\/current-accounts\/)\n  \n  - [Premier Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/premier\/)\n  - [Bank Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/bank-account\/)\n  - [Advance Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/advance\/)\n  - [Student Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/student\/)\n  - [International Student Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/international-student\/)\n  - [Children's Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/children\/)\n  - [Private Banking Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/jade\/private-bank\/)\n  - [Business accounts](https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/business-accounts)\n  - [See all current accounts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/)\n  \n  [Savings accounts](https:\/\/www.hsbc.co.uk\/savings\/)\n  \n  - [Fixed Rate Cash ISA](https:\/\/www.hsbc.co.uk\/savings\/products\/fixed-rate-isa\/)\n  - [Online Bonus Saver](https:\/\/www.hsbc.co.uk\/savings\/products\/online-bonus-saver\/)\n  - [Regular Savings Account](https:\/\/www.hsbc.co.uk\/savings\/products\/regular-saver\/)\n  - [Loyalty Cash ISA](https:\/\/www.hsbc.co.uk\/savings\/products\/cash-isa\/)\n  - [Fixed Rate Savings Account](https:\/\/www.hsbc.co.uk\/savings\/products\/fixed-rate\/)\n  - [Children's savings account](https:\/\/www.hsbc.co.uk\/savings\/products\/mysavings\/)\n  - [Easy access savings accounts](https:\/\/www.hsbc.co.uk\/savings\/easy-access-accounts\/)\n  - [Compare savings accounts](https:\/\/www.hsbc.co.uk\/savings\/compare\/)\n  - [See all savings accounts](https:\/\/www.hsbc.co.uk\/savings\/products\/)\n  \n  [International services](https:\/\/www.hsbc.co.uk\/international\/)\n  \n  - [Global Money Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/global-money\/)\n  - [Using your card outside the UK](https:\/\/www.hsbc.co.uk\/international\/using-your-card-abroad\/)\n  - [Travel Money](https:\/\/www.hsbc.co.uk\/international\/travel-money\/)\n  - [International payments](https:\/\/www.hsbc.co.uk\/international\/money-transfer\/)\n  - [Currency Account](https:\/\/www.hsbc.co.uk\/international\/currency-account\/)\n  - [Opening an account outside the UK](https:\/\/www.hsbc.co.uk\/international\/overseas-account-opening\/)\n  - [Open a UK account](https:\/\/www.hsbc.co.uk\/international\/apply-for-a-uk-account\/)\n  - [See all international services](https:\/\/www.hsbc.co.uk\/international\/)\n  \n  ## Already banking with us?\n  - [Existing customers](https:\/\/www.hsbc.co.uk\/current-accounts\/existing-customers\/)\n  - [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  - [Manage your account](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  - [Mobile banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/)\n  - [Online banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/online-banking\/)\n  - [Overdrafts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdrafts\/)\n  - [Overdraft calculator](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdraft-calculator\/)\n  - [Overdraft repayment calculator](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdraft-calculator\/repayment\/)\n- Borrowing  Short & long-term\n  [Credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/)\n  \n  - [Balance transfer credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/balance-transfer-credit-cards\/)\n  - [Purchase cards](https:\/\/www.hsbc.co.uk\/credit-cards\/purchase-credit-cards\/)\n  - [Rewards cards](https:\/\/www.hsbc.co.uk\/credit-cards\/rewards-credit-cards\/)\n  - [Credit building cards](https:\/\/www.hsbc.co.uk\/credit-cards\/credit-builder-credit-cards\/)\n  - [Premier cards](https:\/\/www.hsbc.co.uk\/credit-cards\/premier-credit-cards\/)\n  - [Ways to borrow](https:\/\/www.hsbc.co.uk\/loans\/ways-to-borrow\/)\n  - [Credit card eligibility checker](https:\/\/www.hsbc.co.uk\/credit-cards\/eligibility-checker\/)\n  - [See all credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/products\/)\n  \n  [Loans](https:\/\/www.hsbc.co.uk\/loans\/)\n  \n  - [Personal Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/personal\/)\n  - [Premier Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/premier\/)\n  - [Car Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/car-loan\/)\n  - [Home Improvement Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/home-improvements\/)\n  - [Top up your loan](https:\/\/www.hsbc.co.uk\/loans\/products\/top-up-loans\/)\n  - [Ways to borrow](https:\/\/www.hsbc.co.uk\/loans\/ways-to-borrow\/)\n  - [Debt Consolidation Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/debt-consolidation\/)\n  - [HSBC Flexipay](https:\/\/www.hsbc.co.uk\/loans\/flexipay\/)\n  - [See all loans](https:\/\/www.hsbc.co.uk\/loans\/)\n  \n  [Mortgages](https:\/\/www.hsbc.co.uk\/mortgages\/)\n  \n  - [Find a mortgage deal](https:\/\/www.hsbc.co.uk\/mortgages\/finder\/)\n  - [Switch your mortgage rate](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/switch\/)\n  - [Remortgage to HSBC](https:\/\/www.hsbc.co.uk\/mortgages\/move-your-mortgage\/)\n  - [First-time buyers](https:\/\/www.hsbc.co.uk\/mortgages\/first-time-buyers\/)\n  - [Get a decision in principle](https:\/\/www.hsbc.co.uk\/mortgages\/decision-in-principle\/)\n  - [Moving home](https:\/\/www.hsbc.co.uk\/mortgages\/moving-home\/)\n  - [Mortgage rates](https:\/\/www.hsbc.co.uk\/mortgages\/our-rates\/)\n  - [Mortgage calculators](https:\/\/www.hsbc.co.uk\/mortgages\/calculators\/)\n  - [Continue my application](https:\/\/www.hsbc.co.uk\/mortgages\/application-in-progress\/)\n  \n  ## Already borrowing with us?\n  - [Mortgage Charter](https:\/\/www.hsbc.co.uk\/mortgages\/cost-of-living-support\/)\n  - [Manage your existing mortgage](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/)\n  - [Pay off your mortgage](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/redemption\/)\n  - [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  - [Manage your credit card](https:\/\/www.hsbc.co.uk\/credit-cards\/existing-customers\/)\n  - [Credit card instalment plans](https:\/\/www.hsbc.co.uk\/credit-cards\/instalment-plans\/)\n  - [Credit card fees and rates](https:\/\/www.hsbc.co.uk\/credit-cards\/fees\/)\n  - [Base rate information](https:\/\/www.hsbc.co.uk\/help\/bank-of-england-base-rate\/)\n- Investing  Products & planning\n  [Investing](https:\/\/www.hsbc.co.uk\/investments\/)\n  \n  - [Stocks & shares ISA](https:\/\/www.hsbc.co.uk\/investments\/isas\/)\n  - [Invest in funds](https:\/\/www.hsbc.co.uk\/investments\/funds\/)\n  - [Investment calculator](https:\/\/www.hsbc.co.uk\/wealth\/investment-calculator\/)\n  - [Ready-made portfolios](https:\/\/www.hsbc.co.uk\/investments\/products\/hsbc-global-strategy-portfolios\/)\n  - [Invest in shares](https:\/\/www.hsbc.co.uk\/investments\/products\/invest-direct\/)\n  - [New to investing?](https:\/\/www.hsbc.co.uk\/investments\/new-to-investing\/)\n  \n  [Advice](https:\/\/www.hsbc.co.uk\/investments\/advice\/)\n  \n  - [Financial advice](https:\/\/www.hsbc.co.uk\/investments\/advice\/financial-advice\/)\n  - [Premier investment management](https:\/\/www.hsbc.co.uk\/investments\/advice\/premier-investment-management-service\/)\n  - [Protection advice](https:\/\/www.hsbc.co.uk\/insurance\/protection-advice\/)\n  \n  [Retirement](https:\/\/www.hsbc.co.uk\/retirement\/)\n  \n  - [Retirement calculator](https:\/\/retirementcalculator.hsbc.co.uk\/)\n  - [Investing for retirement](https:\/\/www.hsbc.co.uk\/retirement\/investing-for-retirement\/)\n  \n  [Wealth planning](https:\/\/www.hsbc.co.uk\/wealth\/planning\/)\n  \n  - [Wealth Insights](https:\/\/www.hsbc.co.uk\/wealth\/insights\/)\n  - [Future Planner](https:\/\/www.hsbc.co.uk\/wealth\/planning\/future-planner\/)\n  - [Investment goals](https:\/\/www.hsbc.co.uk\/investments\/learn-to-invest-in-6-steps\/)\n  - [Children's education calculator](https:\/\/www.hsbc.co.uk\/wealth\/education-calculator\/)\n  - [Your financial action plan](https:\/\/www.hsbc.co.uk\/investments\/financial-action-plan\/)\n  \n  ## Already investing with us?\n  - [Global Investment Centre](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/global-investment-centre\/)\n  - [Child Trust Fund](https:\/\/www.hsbc.co.uk\/investments\/products\/child-trust-fund\/)\n  - [How to use InvestDirect](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/invest-direct\/)\n  - [Manage your investments](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/)\n  - [Onshore Investment Bond](https:\/\/www.hsbc.co.uk\/investments\/products\/onshore-investment-bond\/)\n  - [Manage your personal pension](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/self-invested-personal-pension\/)\n  - [Flexible Retirement Account](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/flexible-retirement-account\/)\n  - [Buy \/ manage funds on the app](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/manage-funds-on-the-app\/)\n- Insurance  Property & family\n  [Insurance](https:\/\/www.hsbc.co.uk\/insurance\/)\n  \n  - [Home Insurance](https:\/\/www.hsbc.co.uk\/insurance\/home\/)\n  - [Contents Insurance](https:\/\/www.hsbc.co.uk\/insurance\/products\/contents\/)\n  - [Travel Insurance](https:\/\/www.hsbc.co.uk\/insurance\/travel\/)\n  - [Small Business Insurance](https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/insurance)\n  - [See all insurance](https:\/\/www.hsbc.co.uk\/insurance\/products\/)\n  \n  [Life](https:\/\/www.hsbc.co.uk\/insurance\/life\/)\n  \n  - [Life Cover](https:\/\/www.hsbc.co.uk\/insurance\/products\/life-cover\/)\n  - [Critical Illness Cover](https:\/\/www.hsbc.co.uk\/insurance\/products\/critical-illness-cover\/)\n  - [Protection advice](https:\/\/www.hsbc.co.uk\/insurance\/protection-advice\/)\n  - [See all life insurance](https:\/\/www.hsbc.co.uk\/insurance\/life\/)\n  \n  ## Claims\n  - [Home Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/home\/claims\/)\n  - [Life Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/life\/claims\/)\n  - [Travel Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/travel\/claims\/)\n  - [Aspects Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/products\/aspects\/claims\/)\n  - [Premier Travel Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/travel\/claims\/)\n  \n  ## Already insured by us?\n  - [Home Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/home\/claims\/)\n  - [Life Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/life\/claims\/)\n  - [Premier Travel support](https:\/\/www.hsbc.co.uk\/insurance\/products\/premier-travel\/)\n  - [Aspects Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/products\/aspects\/)\n- Wellbeing  Financial health & support\n  [Financial fitness](https:\/\/www.hsbc.co.uk\/financial-fitness\/)\n  \n  - [Financial health tools & webinars](https:\/\/www.hsbc.co.uk\/financial-fitness\/fitness-score\/)\n  - [Everyday budgeting](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/)\n  - [Managing debt](https:\/\/www.hsbc.co.uk\/financial-fitness\/managing-debt\/)\n  - [Growing your money](https:\/\/www.hsbc.co.uk\/financial-fitness\/growing-your-money\/)\n  - [Staying safe and secure](https:\/\/www.hsbc.co.uk\/help\/security-centre\/)\n  - [Learning about money](https:\/\/www.hsbc.co.uk\/financial-education\/)\n  \n  ## New beginnings\n  - [Help pay for your wedding](https:\/\/www.hsbc.co.uk\/loans\/products\/wedding-loan\/)\n  - [Children's investment accounts](https:\/\/www.hsbc.co.uk\/investments\/saving-for-children\/)\n  - [Planning for retirement](https:\/\/www.hsbc.co.uk\/retirement\/)\n  - [Buying your first home](https:\/\/www.hsbc.co.uk\/mortgages\/first-time-buyers\/)\n  - [Moving abroad](https:\/\/www.hsbc.co.uk\/international\/moving-abroad\/)\n  - [Going to uni](https:\/\/www.hsbc.co.uk\/students\/)\n  \n  [Life events](https:\/\/www.hsbc.co.uk\/help\/life-events\/)\n  \n  - [Bereavement support](https:\/\/www.hsbc.co.uk\/help\/life-events\/bereavement\/)\n  - [Assisting someone with their money](https:\/\/www.hsbc.co.uk\/help\/life-events\/assisting-someone-with-their-money\/)\n  - [Separation](https:\/\/www.hsbc.co.uk\/help\/life-events\/separation\/)\n  - [Losing your job](https:\/\/www.hsbc.co.uk\/help\/life-events\/unexpected-change\/redundancy\/)\n  - [Power of Attorney](https:\/\/www.hsbc.co.uk\/help\/life-events\/poa\/)\n  - [Mental health and support](https:\/\/www.hsbc.co.uk\/accessibility\/mental-health-and-support\/)\n  - [Tell us your support needs](https:\/\/www.hsbc.co.uk\/accessibility\/tell-us-your-needs\/)\n  \n  [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  \n  - [How we can help](https:\/\/www.hsbc.co.uk\/help\/money-worries\/how-we-can-help\/)\n  - [Mortgage payment support](https:\/\/www.hsbc.co.uk\/help\/money-worries\/mortgage-payments\/)\n  - [Financial and domestic abuse](https:\/\/www.hsbc.co.uk\/help\/money-worries\/financial-abuse\/)\n  - [Rising cost of living](https:\/\/www.hsbc.co.uk\/financial-fitness\/rising-cost-of-living\/)\n  - [Support for gambling](https:\/\/www.hsbc.co.uk\/help\/card-support\/gambling-restrictions\/)\n- Help  Service & security\n  [Managing your account](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  \n  - [Rising cost of living](https:\/\/www.hsbc.co.uk\/financial-fitness\/rising-cost-of-living\/)\n  - [Ways to bank](https:\/\/www.hsbc.co.uk\/ways-to-bank\/)\n  - [Card support](https:\/\/www.hsbc.co.uk\/help\/card-support\/)\n  - [Making payments](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/making-payments\/)\n  - [Set up or cancel a Direct Debit](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-a-direct-debit\/)\n  - [Set up or cancel a standing order](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-standing-order\/)\n  - [Query a transaction](https:\/\/www.hsbc.co.uk\/help\/card-support\/dispute-transaction\/)\n  \n  [Fraud and security](https:\/\/www.hsbc.co.uk\/help\/security-centre\/)\n  \n  - [Secure Key](https:\/\/www.hsbc.co.uk\/help\/security-centre\/secure-key\/)\n  - [Latest scams](https:\/\/www.hsbc.co.uk\/help\/security-centre\/latest-scam-warnings\/)\n  - [Fraud guide](https:\/\/www.hsbc.co.uk\/help\/security-centre\/fraud-guide\/)\n  - [Received a text?](https:\/\/www.hsbc.co.uk\/help\/security-centre\/received-a-text\/)\n  - [Our Digital Security Promise](https:\/\/www.hsbc.co.uk\/help\/security-centre\/digital-security-promise\/)\n  - [Verify your ID online](https:\/\/www.hsbc.co.uk\/help\/security-centre\/verification\/)\n  - [HSBC Safeguard](https:\/\/www.hsbc.co.uk\/help\/security-centre\/hsbc-safeguard\/)\n  \n  [Digital banking](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  \n  - [Register for digital banking](https:\/\/www.hsbc.co.uk\/register\/)\n  - [Mobile banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/)\n  - [Online banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/online-banking\/)\n  - [Digital banking help tool](https:\/\/www.hsbc.co.uk\/help\/digital-banking-help-tool\/)\n  - [Banking from home](https:\/\/www.hsbc.co.uk\/current-accounts\/banking-at-home\/)\n  - [Mobile cheque deposit](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/cheque-deposit\/)\n  - [Reset your log on details](https:\/\/www.hsbc.co.uk\/help\/security-centre\/lost-your-details\/)\n  - [Mobile money management](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/money-management\/)\n  \n  [Help](https:\/\/www.hsbc.co.uk\/help\/)\n  \n  - [Service status](https:\/\/www.hsbc.co.uk\/service-status\/)\n  - [Find a branch or access to cash](https:\/\/www.hsbc.co.uk\/branch-finder\/)\n  - [Feedback and complaints](https:\/\/www.hsbc.co.uk\/help\/feedback-and-complaints\/)\n  - [Bank of England base rate](https:\/\/www.hsbc.co.uk\/help\/bank-of-england-base-rate\/)\n  - [Accessibility and disability](https:\/\/www.hsbc.co.uk\/accessibility\/)\n  - [HSBC's partnership with Shelter](https:\/\/www.hsbc.co.uk\/shelter-partnership\/)\n  - [Sustainability](https:\/\/www.hsbc.co.uk\/sustainability\/)\n\nMenu\n\n- Banking  Accounts & services\n  [Current accounts](https:\/\/www.hsbc.co.uk\/current-accounts\/)\n  \n  - [Premier Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/premier\/)\n  - [Bank Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/bank-account\/)\n  - [Advance Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/advance\/)\n  - [Student Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/student\/)\n  - [International Student Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/international-student\/)\n  - [Children's Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/children\/)\n  - [Private Banking Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/jade\/private-bank\/)\n  - [Business accounts](https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/business-accounts)\n  - [See all current accounts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/)\n  \n  [Savings accounts](https:\/\/www.hsbc.co.uk\/savings\/)\n  \n  - [Fixed Rate Cash ISA](https:\/\/www.hsbc.co.uk\/savings\/products\/fixed-rate-isa\/)\n  - [Online Bonus Saver](https:\/\/www.hsbc.co.uk\/savings\/products\/online-bonus-saver\/)\n  - [Regular Savings Account](https:\/\/www.hsbc.co.uk\/savings\/products\/regular-saver\/)\n  - [Loyalty Cash ISA](https:\/\/www.hsbc.co.uk\/savings\/products\/cash-isa\/)\n  - [Fixed Rate Savings Account](https:\/\/www.hsbc.co.uk\/savings\/products\/fixed-rate\/)\n  - [Children's savings account](https:\/\/www.hsbc.co.uk\/savings\/products\/mysavings\/)\n  - [Easy access savings accounts](https:\/\/www.hsbc.co.uk\/savings\/easy-access-accounts\/)\n  - [Compare savings accounts](https:\/\/www.hsbc.co.uk\/savings\/compare\/)\n  - [See all savings accounts](https:\/\/www.hsbc.co.uk\/savings\/products\/)\n  \n  [International services](https:\/\/www.hsbc.co.uk\/international\/)\n  \n  - [Global Money Account](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/global-money\/)\n  - [Using your card outside the UK](https:\/\/www.hsbc.co.uk\/international\/using-your-card-abroad\/)\n  - [Travel Money](https:\/\/www.hsbc.co.uk\/international\/travel-money\/)\n  - [International payments](https:\/\/www.hsbc.co.uk\/international\/money-transfer\/)\n  - [Currency Account](https:\/\/www.hsbc.co.uk\/international\/currency-account\/)\n  - [Opening an account outside the UK](https:\/\/www.hsbc.co.uk\/international\/overseas-account-opening\/)\n  - [Open a UK account](https:\/\/www.hsbc.co.uk\/international\/apply-for-a-uk-account\/)\n  - [See all international services](https:\/\/www.hsbc.co.uk\/international\/)\n  \n  ## Already banking with us?\n  - [Existing customers](https:\/\/www.hsbc.co.uk\/current-accounts\/existing-customers\/)\n  - [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  - [Manage your account](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  - [Mobile banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/)\n  - [Online banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/online-banking\/)\n  - [Overdrafts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdrafts\/)\n  - [Overdraft calculator](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdraft-calculator\/)\n  - [Overdraft repayment calculator](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdraft-calculator\/repayment\/)\n- Borrowing  Short & long-term\n  [Credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/)\n  \n  - [Balance transfer credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/balance-transfer-credit-cards\/)\n  - [Purchase cards](https:\/\/www.hsbc.co.uk\/credit-cards\/purchase-credit-cards\/)\n  - [Rewards cards](https:\/\/www.hsbc.co.uk\/credit-cards\/rewards-credit-cards\/)\n  - [Credit building cards](https:\/\/www.hsbc.co.uk\/credit-cards\/credit-builder-credit-cards\/)\n  - [Premier cards](https:\/\/www.hsbc.co.uk\/credit-cards\/premier-credit-cards\/)\n  - [Ways to borrow](https:\/\/www.hsbc.co.uk\/loans\/ways-to-borrow\/)\n  - [Credit card eligibility checker](https:\/\/www.hsbc.co.uk\/credit-cards\/eligibility-checker\/)\n  - [See all credit cards](https:\/\/www.hsbc.co.uk\/credit-cards\/products\/)\n  \n  [Loans](https:\/\/www.hsbc.co.uk\/loans\/)\n  \n  - [Personal Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/personal\/)\n  - [Premier Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/premier\/)\n  - [Car Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/car-loan\/)\n  - [Home Improvement Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/home-improvements\/)\n  - [Top up your loan](https:\/\/www.hsbc.co.uk\/loans\/products\/top-up-loans\/)\n  - [Ways to borrow](https:\/\/www.hsbc.co.uk\/loans\/ways-to-borrow\/)\n  - [Debt Consolidation Loan](https:\/\/www.hsbc.co.uk\/loans\/products\/debt-consolidation\/)\n  - [HSBC Flexipay](https:\/\/www.hsbc.co.uk\/loans\/flexipay\/)\n  - [See all loans](https:\/\/www.hsbc.co.uk\/loans\/)\n  \n  [Mortgages](https:\/\/www.hsbc.co.uk\/mortgages\/)\n  \n  - [Find a mortgage deal](https:\/\/www.hsbc.co.uk\/mortgages\/finder\/)\n  - [Switch your mortgage rate](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/switch\/)\n  - [Remortgage to HSBC](https:\/\/www.hsbc.co.uk\/mortgages\/move-your-mortgage\/)\n  - [First-time buyers](https:\/\/www.hsbc.co.uk\/mortgages\/first-time-buyers\/)\n  - [Get a decision in principle](https:\/\/www.hsbc.co.uk\/mortgages\/decision-in-principle\/)\n  - [Moving home](https:\/\/www.hsbc.co.uk\/mortgages\/moving-home\/)\n  - [Mortgage rates](https:\/\/www.hsbc.co.uk\/mortgages\/our-rates\/)\n  - [Mortgage calculators](https:\/\/www.hsbc.co.uk\/mortgages\/calculators\/)\n  - [Continue my application](https:\/\/www.hsbc.co.uk\/mortgages\/application-in-progress\/)\n  \n  ## Already borrowing with us?\n  - [Mortgage Charter](https:\/\/www.hsbc.co.uk\/mortgages\/cost-of-living-support\/)\n  - [Manage your existing mortgage](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/)\n  - [Pay off your mortgage](https:\/\/www.hsbc.co.uk\/mortgages\/existing-customers\/redemption\/)\n  - [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  - [Manage your credit card](https:\/\/www.hsbc.co.uk\/credit-cards\/existing-customers\/)\n  - [Credit card instalment plans](https:\/\/www.hsbc.co.uk\/credit-cards\/instalment-plans\/)\n  - [Credit card fees and rates](https:\/\/www.hsbc.co.uk\/credit-cards\/fees\/)\n  - [Base rate information](https:\/\/www.hsbc.co.uk\/help\/bank-of-england-base-rate\/)\n- Investing  Products & planning\n  [Investing](https:\/\/www.hsbc.co.uk\/investments\/)\n  \n  - [Stocks & shares ISA](https:\/\/www.hsbc.co.uk\/investments\/isas\/)\n  - [Invest in funds](https:\/\/www.hsbc.co.uk\/investments\/funds\/)\n  - [Investment calculator](https:\/\/www.hsbc.co.uk\/wealth\/investment-calculator\/)\n  - [Ready-made portfolios](https:\/\/www.hsbc.co.uk\/investments\/products\/hsbc-global-strategy-portfolios\/)\n  - [Invest in shares](https:\/\/www.hsbc.co.uk\/investments\/products\/invest-direct\/)\n  - [New to investing?](https:\/\/www.hsbc.co.uk\/investments\/new-to-investing\/)\n  \n  [Advice](https:\/\/www.hsbc.co.uk\/investments\/advice\/)\n  \n  - [Financial advice](https:\/\/www.hsbc.co.uk\/investments\/advice\/financial-advice\/)\n  - [Premier investment management](https:\/\/www.hsbc.co.uk\/investments\/advice\/premier-investment-management-service\/)\n  - [Protection advice](https:\/\/www.hsbc.co.uk\/insurance\/protection-advice\/)\n  \n  [Retirement](https:\/\/www.hsbc.co.uk\/retirement\/)\n  \n  - [Retirement calculator](https:\/\/retirementcalculator.hsbc.co.uk\/)\n  - [Investing for retirement](https:\/\/www.hsbc.co.uk\/retirement\/investing-for-retirement\/)\n  \n  [Wealth planning](https:\/\/www.hsbc.co.uk\/wealth\/planning\/)\n  \n  - [Wealth Insights](https:\/\/www.hsbc.co.uk\/wealth\/insights\/)\n  - [Future Planner](https:\/\/www.hsbc.co.uk\/wealth\/planning\/future-planner\/)\n  - [Investment goals](https:\/\/www.hsbc.co.uk\/investments\/learn-to-invest-in-6-steps\/)\n  - [Children's education calculator](https:\/\/www.hsbc.co.uk\/wealth\/education-calculator\/)\n  - [Your financial action plan](https:\/\/www.hsbc.co.uk\/investments\/financial-action-plan\/)\n  \n  ## Already investing with us?\n  - [Global Investment Centre](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/global-investment-centre\/)\n  - [Child Trust Fund](https:\/\/www.hsbc.co.uk\/investments\/products\/child-trust-fund\/)\n  - [How to use InvestDirect](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/invest-direct\/)\n  - [Manage your investments](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/)\n  - [Onshore Investment Bond](https:\/\/www.hsbc.co.uk\/investments\/products\/onshore-investment-bond\/)\n  - [Manage your personal pension](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/self-invested-personal-pension\/)\n  - [Flexible Retirement Account](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/flexible-retirement-account\/)\n  - [Buy \/ manage funds on the app](https:\/\/www.hsbc.co.uk\/investments\/existing-customers\/manage-funds-on-the-app\/)\n- Insurance  Property & family\n  [Insurance](https:\/\/www.hsbc.co.uk\/insurance\/)\n  \n  - [Home Insurance](https:\/\/www.hsbc.co.uk\/insurance\/home\/)\n  - [Contents Insurance](https:\/\/www.hsbc.co.uk\/insurance\/products\/contents\/)\n  - [Travel Insurance](https:\/\/www.hsbc.co.uk\/insurance\/travel\/)\n  - [Small Business Insurance](https:\/\/www.business.hsbc.uk\/en-gb\/products-and-solutions\/insurance)\n  - [See all insurance](https:\/\/www.hsbc.co.uk\/insurance\/products\/)\n  \n  [Life](https:\/\/www.hsbc.co.uk\/insurance\/life\/)\n  \n  - [Life Cover](https:\/\/www.hsbc.co.uk\/insurance\/products\/life-cover\/)\n  - [Critical Illness Cover](https:\/\/www.hsbc.co.uk\/insurance\/products\/critical-illness-cover\/)\n  - [Protection advice](https:\/\/www.hsbc.co.uk\/insurance\/protection-advice\/)\n  - [See all life insurance](https:\/\/www.hsbc.co.uk\/insurance\/life\/)\n  \n  ## Claims\n  - [Home Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/home\/claims\/)\n  - [Life Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/life\/claims\/)\n  - [Travel Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/travel\/claims\/)\n  - [Aspects Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/products\/aspects\/claims\/)\n  - [Premier Travel Insurance claims](https:\/\/www.hsbc.co.uk\/insurance\/travel\/claims\/)\n  \n  ## Already insured by us?\n  - [Home Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/home\/claims\/)\n  - [Life Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/life\/claims\/)\n  - [Premier Travel support](https:\/\/www.hsbc.co.uk\/insurance\/products\/premier-travel\/)\n  - [Aspects Insurance support](https:\/\/www.hsbc.co.uk\/insurance\/products\/aspects\/)\n- Wellbeing  Financial health & support\n  [Financial fitness](https:\/\/www.hsbc.co.uk\/financial-fitness\/)\n  \n  - [Financial health tools & webinars](https:\/\/www.hsbc.co.uk\/financial-fitness\/fitness-score\/)\n  - [Everyday budgeting](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/)\n  - [Managing debt](https:\/\/www.hsbc.co.uk\/financial-fitness\/managing-debt\/)\n  - [Growing your money](https:\/\/www.hsbc.co.uk\/financial-fitness\/growing-your-money\/)\n  - [Staying safe and secure](https:\/\/www.hsbc.co.uk\/help\/security-centre\/)\n  - [Learning about money](https:\/\/www.hsbc.co.uk\/financial-education\/)\n  \n  ## New beginnings\n  - [Help pay for your wedding](https:\/\/www.hsbc.co.uk\/loans\/products\/wedding-loan\/)\n  - [Children's investment accounts](https:\/\/www.hsbc.co.uk\/investments\/saving-for-children\/)\n  - [Planning for retirement](https:\/\/www.hsbc.co.uk\/retirement\/)\n  - [Buying your first home](https:\/\/www.hsbc.co.uk\/mortgages\/first-time-buyers\/)\n  - [Moving abroad](https:\/\/www.hsbc.co.uk\/international\/moving-abroad\/)\n  - [Going to uni](https:\/\/www.hsbc.co.uk\/students\/)\n  \n  [Life events](https:\/\/www.hsbc.co.uk\/help\/life-events\/)\n  \n  - [Bereavement support](https:\/\/www.hsbc.co.uk\/help\/life-events\/bereavement\/)\n  - [Assisting someone with their money](https:\/\/www.hsbc.co.uk\/help\/life-events\/assisting-someone-with-their-money\/)\n  - [Separation](https:\/\/www.hsbc.co.uk\/help\/life-events\/separation\/)\n  - [Losing your job](https:\/\/www.hsbc.co.uk\/help\/life-events\/unexpected-change\/redundancy\/)\n  - [Power of Attorney](https:\/\/www.hsbc.co.uk\/help\/life-events\/poa\/)\n  - [Mental health and support](https:\/\/www.hsbc.co.uk\/accessibility\/mental-health-and-support\/)\n  - [Tell us your support needs](https:\/\/www.hsbc.co.uk\/accessibility\/tell-us-your-needs\/)\n  \n  [Money worries](https:\/\/www.hsbc.co.uk\/help\/money-worries\/)\n  \n  - [How we can help](https:\/\/www.hsbc.co.uk\/help\/money-worries\/how-we-can-help\/)\n  - [Mortgage payment support](https:\/\/www.hsbc.co.uk\/help\/money-worries\/mortgage-payments\/)\n  - [Financial and domestic abuse](https:\/\/www.hsbc.co.uk\/help\/money-worries\/financial-abuse\/)\n  - [Rising cost of living](https:\/\/www.hsbc.co.uk\/financial-fitness\/rising-cost-of-living\/)\n  - [Support for gambling](https:\/\/www.hsbc.co.uk\/help\/card-support\/gambling-restrictions\/)\n- Help  Service & security\n  [Managing your account](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  \n  - [Rising cost of living](https:\/\/www.hsbc.co.uk\/financial-fitness\/rising-cost-of-living\/)\n  - [Ways to bank](https:\/\/www.hsbc.co.uk\/ways-to-bank\/)\n  - [Card support](https:\/\/www.hsbc.co.uk\/help\/card-support\/)\n  - [Making payments](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/making-payments\/)\n  - [Set up or cancel a Direct Debit](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-a-direct-debit\/)\n  - [Set up or cancel a standing order](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-standing-order\/)\n  - [Query a transaction](https:\/\/www.hsbc.co.uk\/help\/card-support\/dispute-transaction\/)\n  \n  [Fraud and security](https:\/\/www.hsbc.co.uk\/help\/security-centre\/)\n  \n  - [Secure Key](https:\/\/www.hsbc.co.uk\/help\/security-centre\/secure-key\/)\n  - [Latest scams](https:\/\/www.hsbc.co.uk\/help\/security-centre\/latest-scam-warnings\/)\n  - [Fraud guide](https:\/\/www.hsbc.co.uk\/help\/security-centre\/fraud-guide\/)\n  - [Received a text?](https:\/\/www.hsbc.co.uk\/help\/security-centre\/received-a-text\/)\n  - [Our Digital Security Promise](https:\/\/www.hsbc.co.uk\/help\/security-centre\/digital-security-promise\/)\n  - [Verify your ID online](https:\/\/www.hsbc.co.uk\/help\/security-centre\/verification\/)\n  - [HSBC Safeguard](https:\/\/www.hsbc.co.uk\/help\/security-centre\/hsbc-safeguard\/)\n  \n  [Digital banking](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/)\n  \n  - [Register for digital banking](https:\/\/www.hsbc.co.uk\/register\/)\n  - [Mobile banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/)\n  - [Online banking](https:\/\/www.hsbc.co.uk\/ways-to-bank\/online-banking\/)\n  - [Digital banking help tool](https:\/\/www.hsbc.co.uk\/help\/digital-banking-help-tool\/)\n  - [Banking from home](https:\/\/www.hsbc.co.uk\/current-accounts\/banking-at-home\/)\n  - [Mobile cheque deposit](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/cheque-deposit\/)\n  - [Reset your log on details](https:\/\/www.hsbc.co.uk\/help\/security-centre\/lost-your-details\/)\n  - [Mobile money management](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/money-management\/)\n  \n  [Help](https:\/\/www.hsbc.co.uk\/help\/)\n  \n  - [Service status](https:\/\/www.hsbc.co.uk\/service-status\/)\n  - [Find a branch or access to cash](https:\/\/www.hsbc.co.uk\/branch-finder\/)\n  - [Feedback and complaints](https:\/\/www.hsbc.co.uk\/help\/feedback-and-complaints\/)\n  - [Bank of England base rate](https:\/\/www.hsbc.co.uk\/help\/bank-of-england-base-rate\/)\n  - [Accessibility and disability](https:\/\/www.hsbc.co.uk\/accessibility\/)\n  - [HSBC's partnership with Shelter](https:\/\/www.hsbc.co.uk\/shelter-partnership\/)\n  - [Sustainability](https:\/\/www.hsbc.co.uk\/sustainability\/)\n- Language  English\n\nLanguage\n\n- [Selected English](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/)\n\n- [Register](https:\/\/www.hsbc.co.uk\/register\/)\n- [Back to my accounts](https:\/\/www.hsbc.co.uk\/online\/dashboard\/)\n- [Private](https:\/\/www.privatebanking.hsbc.com\/about-us\/)\n- [Business](http:\/\/www.business.hsbc.uk\/)\n- [Corporate](http:\/\/www.business.hsbc.uk\/corporate)\n\nClose menu\n\n[![HSBC UK](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/logos\/hsbc-uk.svg)](https:\/\/www.hsbc.co.uk\/)\n\n[Log on](https:\/\/www.hsbc.co.uk\/online\/dashboard\/)   [Log off](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#cpi)\n\nTop of main content\n\n1. [HSBC UK](https:\/\/www.hsbc.co.uk\/)\n2. [Savings accounts](https:\/\/www.hsbc.co.uk\/savings\/)\n3. Everyday spending hacks to save you money\n\n# Everyday spending hacks to help you save money\n![](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/16-9\/young-couple-painting-armchair.jpg\/_jcr_content\/renditions\/cq5dam.web.1280.1280.jpeg)\n\nIt can feel difficult to grow your savings without having to constantly cut back on the things you enjoy.\n\nIf you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out.\n\n1. [Plan a budget](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#plan-budget)\n2. [Check your utility providers](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#check-utility-providers)\n3. [Reduce your spending at the supermarket](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#reduce-supermarket-spending)\n4. [Cut fuel costs](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#cut-fuel-costs)\n5. [Cancel unnecessary subscriptions](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#subscriptions)\n6. [Search for discounts](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#discounts)\n7. [Save money on insurance](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#save-money-insurance)\n8. [Review your debts](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#review-debts)\n9. [Look into certain benefits](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#benefits)\n10. [Check what you're entitled to](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#check-entitled-to)\n## 1\\. Plan a budget\n[Setting out what you’re spending](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-create-a-budget\/) and where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use.\n\nUse 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have.\n\nOur [budget planning tool](https:\/\/www.hsbc.co.uk\/financial-fitness\/budget-planner\/) can help you get started.\n\nYou could also use [money management tools](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/money-management\/) to help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both.\n## 2\\. Check your utility providers\nComparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband.\n\nEven saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your [savings account](https:\/\/www.hsbc.co.uk\/savings\/). You could set up a [standing order](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-standing-order\/) so you don’t even have to think about it.\n\nGet more tips about [managing your bills](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-manage-bills\/).\n## 3\\. Reduce your spending at the supermarket\nFood shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending.\n\nFind out more about [how to save money at the supermarket](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/food-shopping-how-to-save-money-and-waste-less\/).\n## 4\\. Cut fuel costs\nMaking small changes can help reduce possible fuel costs. Here are some ideas:\n\n- Look for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre\n- Take advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers\n- Accelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily\n- Remove any excess weight from the car\n- Lower your windows rather than using the air conditioning when it’s hot\n- Check the pressure of your tyres regularly to make sure they’re at the right level\n## 5\\. Cancel unnecessary subscriptions\nWhether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them.\n\nLook at your transactions and make a list of all the subscription services you’re paying for.\n\nAre there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them.\n\nFind out more about [saving money on your subscriptions](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-manage-subscription-services-and-save-money\/).\n## 6\\. Search for discounts\nWhen shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal.\n\nIt can pay to do a bit of online research to find the latest discounts.\n\nLike with your bills, if you’re able to, you could add any money you save to your savings account.\n## 7\\. Save money on insurance\nWhether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums.\n\nPaying annually or increasing your [voluntary excess](https:\/\/www.hsbc.co.uk\/insurance\/what-is-insurance-excess\/) may be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim.\n\nYou may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around.\n\nExplore: [How to save money on your home insurance](https:\/\/www.hsbc.co.uk\/insurance\/how-to-save-money-on-your-home-insurance\/)\n## 8\\. Review your debts\nIf you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments.\n\n### Credit card debt\nA balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments.\n\n### Personal loan, overdraft and credit card debt\nA debt consolidation loan may offer a lower interest rate than [overdrafts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdrafts\/how-to-get-out-of-your-overdraft\/), credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan.\n\nKeep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term.\n\nFind out more about [how debt consolidation loans work](https:\/\/www.hsbc.co.uk\/loans\/what-is-debt-consolidation\/).\n### Mortgages\nIf you have a mortgage, you may want to look at [switching your mortgage rate](https:\/\/www.hsbc.co.uk\/mortgages\/how-to-switch-mortgage-rates\/) or [remortgaging](https:\/\/www.hsbc.co.uk\/mortgages\/what-is-remortgaging\/), to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another.\n\nThere may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide.\n## 9\\. Look into certain benefits\nYou may be able to claim certain benefits from the government. There’s a [Help to Save scheme](https:\/\/www.hsbc.co.uk\/savings\/what-is-help-to-save\/), as well as [Universal Credit](https:\/\/www.hsbc.co.uk\/financial-fitness\/what-is-universal-credit\/) and other services that can help with things like your energy costs.\n\nSee what other [benefits you may be able to claim](https:\/\/www.gov.uk\/browse\/benefits).\n## 10\\. Check what you're entitled to\nBillions of pounds of government benefits and allowances are going unclaimed. You can [use this free calculator](https:\/\/www.hsbc.co.uk\/financial-fitness\/could-you-be-missing-out-on-unclaimed-benefits\/#calculator) to find out if you’re missing out.\n\n[Explore HSBC savings accounts](https:\/\/www.hsbc.co.uk\/savings\/products\/)\n\n## Book a financial health check\nYou can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service.\n\nThey won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you.\n\n[Book now](https:\/\/appointment.hsbc.co.uk\/?company=uk_37041&category=216#\/services \"for a financial health check\")\n\n[Back to top Back to top of the page](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#top-of-content)\n\n## What next?\n[Read our guide on how to save money](https:\/\/www.hsbc.co.uk\/savings\/how-to-save-money\/)\n\n## Share\n- [facebook This link will open in a new window ![](https:\/\/www.hsbc.co.uk\/etc.clientlibs\/dpws\/clientlibs-public\/clientlib-site\/resources\/social\/facebook-new.svg)](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/*)\n- [twitter This link will open in a new window ![](https:\/\/www.hsbc.co.uk\/etc.clientlibs\/dpws\/clientlibs-public\/clientlib-site\/resources\/social\/twitter-new.svg)](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/*)\n- [pinterest This link will open in a new window ![](https:\/\/www.hsbc.co.uk\/etc.clientlibs\/dpws\/clientlibs-public\/clientlib-site\/resources\/social\/pinterest-new.svg)](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/*)\n- [linkedin This link will open in a new window ![](https:\/\/www.hsbc.co.uk\/etc.clientlibs\/dpws\/clientlibs-public\/clientlib-site\/resources\/social\/linkedin-new.svg)](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/*)\n- [email ![](https:\/\/www.hsbc.co.uk\/etc.clientlibs\/dpws\/clientlibs-public\/clientlib-site\/resources\/social\/email-new.svg)](mailto:?subject=Best%20Ways%20To%20Save%20Money%20%7C%20Money%20Saving%20Tips%20-%20HSBC%20UK&body=https%3A%2F%2Fwww.hsbc.co.uk%2Fsavings%2Feveryday-spending-hacks%2F)\n\n## Explore more\n![](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/articles\/16-9\/family-fishing-river-net-850x400.jpg)\n\n### [Everyday budgeting](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/)\n\n![](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/articles\/16-9\/how-to-create-budget.jpg\/_jcr_content\/renditions\/cq5dam.web.1280.1280.jpeg)\n\n### [How to create a budget](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-create-a-budget\/)\n\n![](https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/images\/articles\/16-9\/reasons-to-save-726783527.jpg\/_jcr_content\/renditions\/cq5dam.web.1280.1280.jpeg)\n\n### [How to start saving money](https:\/\/www.hsbc.co.uk\/savings\/how-to-save-money\/)\n\n- About HSBC\n\n- ## Help & support\n  [Contact HSBC Got a question? We're here to help you](https:\/\/www.hsbc.co.uk\/help\/)\n- ## Branch finder\n  [Find your nearest branch](https:\/\/www.hsbc.co.uk\/branch-finder\/)\n- ## Our service performance\n  [View our service status to see how we're doing](https:\/\/www.hsbc.co.uk\/service-status\/)\n- ## About HSBC\n  [Careers, media, investor and corporate information](http:\/\/www.about.hsbc.co.uk\/)\n\n- [Legal](https:\/\/www.hsbc.co.uk\/legal\/)\n- [Privacy notice](https:\/\/www.hsbc.co.uk\/privacy-notice\/)\n- [Cookie notice](https:\/\/www.hsbc.co.uk\/cookie-notice\/)\n- [Accessibility](https:\/\/www.hsbc.co.uk\/accessibility\/)\n- [Stopping modern slavery](https:\/\/www.hsbc.com\/who-we-are\/esg-and-responsible-business\/modern-slavery-act)\n\n[HSBC Group](http:\/\/www.hsbc.com\/) \\| © Copyright HSBC Group 2002-2026. All rights reserved\n\n[This website is designed for use in the United Kingdom.](https:\/\/www.hsbc.co.uk\/site-terms\/#anchorc)","attrs_readable_markdown":"It can feel difficult to grow your savings without having to constantly cut back on the things you enjoy.\n\nIf you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out.\n\n1. [Check your utility providers](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#check-utility-providers)\n2. [Reduce your spending at the supermarket](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#reduce-supermarket-spending)\n3. [Cancel unnecessary subscriptions](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#subscriptions)\n4. [Look into certain benefits](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#benefits)\n5. [Check what you're entitled to](https:\/\/www.hsbc.co.uk\/savings\/everyday-spending-hacks\/#check-entitled-to)\n\n[Setting out what you’re spending](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-create-a-budget\/) and where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use.\n\nUse 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have.\n\nOur [budget planning tool](https:\/\/www.hsbc.co.uk\/financial-fitness\/budget-planner\/) can help you get started.\n\nYou could also use [money management tools](https:\/\/www.hsbc.co.uk\/ways-to-bank\/mobile\/money-management\/) to help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both.\n\nComparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband.\n\nEven saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your [savings account](https:\/\/www.hsbc.co.uk\/savings\/). You could set up a [standing order](https:\/\/www.hsbc.co.uk\/help\/banking-made-easy\/how-to-set-up-standing-order\/) so you don’t even have to think about it.\n\nGet more tips about [managing your bills](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-manage-bills\/).\n\nFood shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending.\n\nFind out more about [how to save money at the supermarket](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/food-shopping-how-to-save-money-and-waste-less\/).\n\nMaking small changes can help reduce possible fuel costs. Here are some ideas:\n\n- Look for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre\n- Take advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers\n- Accelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily\n- Remove any excess weight from the car\n- Lower your windows rather than using the air conditioning when it’s hot\n- Check the pressure of your tyres regularly to make sure they’re at the right level\n\nWhether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them.\n\nLook at your transactions and make a list of all the subscription services you’re paying for.\n\nAre there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them.\n\nFind out more about [saving money on your subscriptions](https:\/\/www.hsbc.co.uk\/financial-fitness\/everyday-budgeting\/how-to-manage-subscription-services-and-save-money\/).\n\nWhen shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal.\n\nIt can pay to do a bit of online research to find the latest discounts.\n\nLike with your bills, if you’re able to, you could add any money you save to your savings account.\n\nWhether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums.\n\nPaying annually or increasing your [voluntary excess](https:\/\/www.hsbc.co.uk\/insurance\/what-is-insurance-excess\/) may be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim.\n\nYou may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around.\n\nExplore: [How to save money on your home insurance](https:\/\/www.hsbc.co.uk\/insurance\/how-to-save-money-on-your-home-insurance\/)\n\nIf you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments.\n\nCredit card debt\n\nA balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments.\n\nPersonal loan, overdraft and credit card debt\n\nA debt consolidation loan may offer a lower interest rate than [overdrafts](https:\/\/www.hsbc.co.uk\/current-accounts\/products\/overdrafts\/how-to-get-out-of-your-overdraft\/), credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan.\n\nKeep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term.\n\nFind out more about [how debt consolidation loans work](https:\/\/www.hsbc.co.uk\/loans\/what-is-debt-consolidation\/).\n\nMortgages\n\nIf you have a mortgage, you may want to look at [switching your mortgage rate](https:\/\/www.hsbc.co.uk\/mortgages\/how-to-switch-mortgage-rates\/) or [remortgaging](https:\/\/www.hsbc.co.uk\/mortgages\/what-is-remortgaging\/), to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another.\n\nThere may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide.\n\nYou may be able to claim certain benefits from the government. There’s a [Help to Save scheme](https:\/\/www.hsbc.co.uk\/savings\/what-is-help-to-save\/), as well as [Universal Credit](https:\/\/www.hsbc.co.uk\/financial-fitness\/what-is-universal-credit\/) and other services that can help with things like your energy costs.\n\nSee what other [benefits you may be able to claim](https:\/\/www.gov.uk\/browse\/benefits).\n\nBillions of pounds of government benefits and allowances are going unclaimed. You can [use this free calculator](https:\/\/www.hsbc.co.uk\/financial-fitness\/could-you-be-missing-out-on-unclaimed-benefits\/#calculator) to find out if you’re missing out.\n\nBook a financial health check\n\nYou can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service.\n\nThey won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you.","meta_canonical":null}

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URL	https://www.hsbc.co.uk/savings/everyday-spending-hacks/
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Meta Description	You don’t have to constantly cut back on the things you enjoy to grow your savings. Here are some ways to save money without feeling like you’re missing out.
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Boilerpipe Text	It can feel difficult to grow your savings without having to constantly cut back on the things you enjoy. If you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out. Check your utility providers Reduce your spending at the supermarket Cancel unnecessary subscriptions Look into certain benefits Check what you're entitled to Setting out what you’re spending and where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use. Use 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have. Our budget planning tool can help you get started. You could also use money management tools to help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both. Comparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband. Even saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your savings account . You could set up a standing order so you don’t even have to think about it. Get more tips about managing your bills . Food shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending. Find out more about how to save money at the supermarket . Making small changes can help reduce possible fuel costs. Here are some ideas: Look for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre Take advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers Accelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily Remove any excess weight from the car Lower your windows rather than using the air conditioning when it’s hot Check the pressure of your tyres regularly to make sure they’re at the right level Whether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them. Look at your transactions and make a list of all the subscription services you’re paying for. Are there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them. Find out more about saving money on your subscriptions . When shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal. It can pay to do a bit of online research to find the latest discounts. Like with your bills, if you’re able to, you could add any money you save to your savings account. Whether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums. Paying annually or increasing your voluntary excess may be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim. You may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around. Explore: How to save money on your home insurance If you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments. Credit card debt A balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments. Personal loan, overdraft and credit card debt A debt consolidation loan may offer a lower interest rate than overdrafts , credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan. Keep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term. Find out more about how debt consolidation loans work . Mortgages If you have a mortgage, you may want to look at switching your mortgage rate or remortgaging , to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another. There may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide. You may be able to claim certain benefits from the government. There’s a Help to Save scheme , as well as Universal Credit and other services that can help with things like your energy costs. See what other benefits you may be able to claim . Billions of pounds of government benefits and allowances are going unclaimed. You can use this free calculator to find out if you’re missing out. Book a financial health check You can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service. They won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you.
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[HSBC UK](https://www.hsbc.co.uk/) 2. [Savings accounts](https://www.hsbc.co.uk/savings/) 3. Everyday spending hacks to save you money # Everyday spending hacks to help you save money ![](https://www.hsbc.co.uk/content/dam/hsbc/gb/images/16-9/young-couple-painting-armchair.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg) It can feel difficult to grow your savings without having to constantly cut back on the things you enjoy. If you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out. 1. [Plan a budget](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#plan-budget) 2. [Check your utility providers](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#check-utility-providers) 3. [Reduce your spending at the supermarket](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#reduce-supermarket-spending) 4. [Cut fuel costs](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#cut-fuel-costs) 5. [Cancel unnecessary subscriptions](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#subscriptions) 6. [Search for discounts](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#discounts) 7. [Save money on insurance](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#save-money-insurance) 8. [Review your debts](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#review-debts) 9. [Look into certain benefits](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#benefits) 10. [Check what you're entitled to](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#check-entitled-to) ## 1\. Plan a budget [Setting out what you’re spending](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-create-a-budget/) and where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use. Use 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have. Our [budget planning tool](https://www.hsbc.co.uk/financial-fitness/budget-planner/) can help you get started. You could also use [money management tools](https://www.hsbc.co.uk/ways-to-bank/mobile/money-management/) to help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both. ## 2\. Check your utility providers Comparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband. Even saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your [savings account](https://www.hsbc.co.uk/savings/). You could set up a [standing order](https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/) so you don’t even have to think about it. Get more tips about [managing your bills](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-manage-bills/). ## 3\. Reduce your spending at the supermarket Food shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending. Find out more about [how to save money at the supermarket](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/food-shopping-how-to-save-money-and-waste-less/). ## 4\. Cut fuel costs Making small changes can help reduce possible fuel costs. Here are some ideas: - Look for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre - Take advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers - Accelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily - Remove any excess weight from the car - Lower your windows rather than using the air conditioning when it’s hot - Check the pressure of your tyres regularly to make sure they’re at the right level ## 5\. Cancel unnecessary subscriptions Whether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them. Look at your transactions and make a list of all the subscription services you’re paying for. Are there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them. Find out more about [saving money on your subscriptions](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-manage-subscription-services-and-save-money/). ## 6\. Search for discounts When shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal. It can pay to do a bit of online research to find the latest discounts. Like with your bills, if you’re able to, you could add any money you save to your savings account. ## 7\. Save money on insurance Whether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums. Paying annually or increasing your [voluntary excess](https://www.hsbc.co.uk/insurance/what-is-insurance-excess/) may be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim. You may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around. Explore: [How to save money on your home insurance](https://www.hsbc.co.uk/insurance/how-to-save-money-on-your-home-insurance/) ## 8\. Review your debts If you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments. ### Credit card debt A balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments. ### Personal loan, overdraft and credit card debt A debt consolidation loan may offer a lower interest rate than [overdrafts](https://www.hsbc.co.uk/current-accounts/products/overdrafts/how-to-get-out-of-your-overdraft/), credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan. Keep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term. Find out more about [how debt consolidation loans work](https://www.hsbc.co.uk/loans/what-is-debt-consolidation/). ### Mortgages If you have a mortgage, you may want to look at [switching your mortgage rate](https://www.hsbc.co.uk/mortgages/how-to-switch-mortgage-rates/) or [remortgaging](https://www.hsbc.co.uk/mortgages/what-is-remortgaging/), to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another. There may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide. ## 9\. Look into certain benefits You may be able to claim certain benefits from the government. There’s a [Help to Save scheme](https://www.hsbc.co.uk/savings/what-is-help-to-save/), as well as [Universal Credit](https://www.hsbc.co.uk/financial-fitness/what-is-universal-credit/) and other services that can help with things like your energy costs. See what other [benefits you may be able to claim](https://www.gov.uk/browse/benefits). ## 10\. Check what you're entitled to Billions of pounds of government benefits and allowances are going unclaimed. You can [use this free calculator](https://www.hsbc.co.uk/financial-fitness/could-you-be-missing-out-on-unclaimed-benefits/#calculator) to find out if you’re missing out. [Explore HSBC savings accounts](https://www.hsbc.co.uk/savings/products/) ## Book a financial health check You can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service. They won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you. [Book now](https://appointment.hsbc.co.uk/?company=uk_37041&category=216#/services "for a financial health check") [Back to top Back to top of the page](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#top-of-content) ## What next? [Read our guide on how to save money](https://www.hsbc.co.uk/savings/how-to-save-money/) ## Share - [facebook This link will open in a new window ![](https://www.hsbc.co.uk/etc.clientlibs/dpws/clientlibs-public/clientlib-site/resources/social/facebook-new.svg)](https://www.hsbc.co.uk/savings/everyday-spending-hacks/) - [twitter This link will open in a new window ![](https://www.hsbc.co.uk/etc.clientlibs/dpws/clientlibs-public/clientlib-site/resources/social/twitter-new.svg)](https://www.hsbc.co.uk/savings/everyday-spending-hacks/) - [pinterest This link will open in a new window ![](https://www.hsbc.co.uk/etc.clientlibs/dpws/clientlibs-public/clientlib-site/resources/social/pinterest-new.svg)](https://www.hsbc.co.uk/savings/everyday-spending-hacks/) - [linkedin This link will open in a new window ![](https://www.hsbc.co.uk/etc.clientlibs/dpws/clientlibs-public/clientlib-site/resources/social/linkedin-new.svg)](https://www.hsbc.co.uk/savings/everyday-spending-hacks/) - [email ![](https://www.hsbc.co.uk/etc.clientlibs/dpws/clientlibs-public/clientlib-site/resources/social/email-new.svg)](mailto:?subject=Best%20Ways%20To%20Save%20Money%20%7C%20Money%20Saving%20Tips%20-%20HSBC%20UK&body=https%3A%2F%2Fwww.hsbc.co.uk%2Fsavings%2Feveryday-spending-hacks%2F) ## Explore more ![](https://www.hsbc.co.uk/content/dam/hsbc/gb/images/articles/16-9/family-fishing-river-net-850x400.jpg) ### [Everyday budgeting](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/) ![](https://www.hsbc.co.uk/content/dam/hsbc/gb/images/articles/16-9/how-to-create-budget.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg) ### [How to create a budget](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-create-a-budget/) ![](https://www.hsbc.co.uk/content/dam/hsbc/gb/images/articles/16-9/reasons-to-save-726783527.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg) ### [How to start saving money](https://www.hsbc.co.uk/savings/how-to-save-money/) - About HSBC - ## Help & support [Contact HSBC Got a question? 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Readable Markdown	It can feel difficult to grow your savings without having to constantly cut back on the things you enjoy. If you’re struggling to free up cash to save, here are some ways to save money without feeling like you’re missing out. 1. [Check your utility providers](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#check-utility-providers) 2. [Reduce your spending at the supermarket](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#reduce-supermarket-spending) 3. [Cancel unnecessary subscriptions](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#subscriptions) 4. [Look into certain benefits](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#benefits) 5. [Check what you're entitled to](https://www.hsbc.co.uk/savings/everyday-spending-hacks/#check-entitled-to) [Setting out what you’re spending](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-create-a-budget/) and where, can help you see where your money’s going and where you could potentially make changes. You may find you’re overspending at certain online retailers, or you’re still paying for subscriptions you no longer use. Use 3 months’ worth of bank statements to get a more accurate idea of your spending habits, and make sure to factor in any yearly costs you may have. Our [budget planning tool](https://www.hsbc.co.uk/financial-fitness/budget-planner/) can help you get started. You could also use [money management tools](https://www.hsbc.co.uk/ways-to-bank/mobile/money-management/) to help you stay on top of your spending. For example, if you have the HSBC Mobile Banking app, you can use transaction notifications to keep track of your spending. You can set up notifications for spending or receiving money – or both. Comparison websites allow you compare quotes, to see if you're getting the best price for your household expenses, such as gas, electricity or broadband. Even saving a small amount each month can really add up over the course of a year. If you’re able to switch to cheaper deals, try putting the amount you’ve saved each month into your [savings account](https://www.hsbc.co.uk/savings/). You could set up a [standing order](https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/) so you don’t even have to think about it. Get more tips about [managing your bills](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-manage-bills/). Food shopping is one of the biggest weekly expenses for families in the UK. From setting a budget, to planning your meals and storing your food, there's a range of things you can do to cut your spending. Find out more about [how to save money at the supermarket](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/food-shopping-how-to-save-money-and-waste-less/). Making small changes can help reduce possible fuel costs. Here are some ideas: - Look for the best prices in your area – even taking a small detour to visit a cheaper petrol station could save you a few pence for every litre - Take advantage of loyalty card schemes – the more you fill up, the more points you can earn to exchange for money-off vouchers - Accelerate gradually – this saves you needing to use more power than necessary and can also reduce the chance of having to brake heavily - Remove any excess weight from the car - Lower your windows rather than using the air conditioning when it’s hot - Check the pressure of your tyres regularly to make sure they’re at the right level Whether it’s fitness apps or TV and magazine subscriptions, it’s easy to sign up to different services and then forget about them. Look at your transactions and make a list of all the subscription services you’re paying for. Are there any you don’t use? Start by cutting those. Then look at those you do use – are there any you could do without? You could try cutting those temporarily to see whether you miss them. Find out more about [saving money on your subscriptions](https://www.hsbc.co.uk/financial-fitness/everyday-budgeting/how-to-manage-subscription-services-and-save-money/). When shopping online, you’ll see various deals and promo codes. Sometimes, you may have to do something like sign up to a newsletter to receive 10% off your next order. Other times, there may be a promo code you can find that'll offer you a better deal. It can pay to do a bit of online research to find the latest discounts. Like with your bills, if you’re able to, you could add any money you save to your savings account. Whether it’s car insurance, or home and contents insurance, there are a few ways you could lower your insurance premiums. Paying annually or increasing your [voluntary excess](https://www.hsbc.co.uk/insurance/what-is-insurance-excess/) may be a way to bring your costs down. If you do decide to increase your excess, just make sure you’re able to pay this if you need to make a claim. You may be able to find the same level of cover at a cheaper price from a different provider, so it can sometimes help to shop around. Explore: [How to save money on your home insurance](https://www.hsbc.co.uk/insurance/how-to-save-money-on-your-home-insurance/) If you have a personal loan, credit card, overdraft or mortgage, you’re likely being charged interest. Depending on your situation, you may be able to minimise the amount of interest you pay and reduce your monthly repayments. Credit card debt A balance transfer will often let you transfer the balance from one credit card provider to another, offering an interest-free period. If you’re able to clear your debt within that interest-free period, you could potentially save a significant amount of money in interest payments. Personal loan, overdraft and credit card debt A debt consolidation loan may offer a lower interest rate than [overdrafts](https://www.hsbc.co.uk/current-accounts/products/overdrafts/how-to-get-out-of-your-overdraft/), credit cards and store cards. Or, if you have multiple debts, a debt consolidation loan may help you bring them all together and create a clear repayment plan. Keep in mind – while you may be able to reduce your monthly repayments with a debt consolidation loan, you may end up repaying more in interest over the long-term. Find out more about [how debt consolidation loans work](https://www.hsbc.co.uk/loans/what-is-debt-consolidation/). Mortgages If you have a mortgage, you may want to look at [switching your mortgage rate](https://www.hsbc.co.uk/mortgages/how-to-switch-mortgage-rates/) or [remortgaging](https://www.hsbc.co.uk/mortgages/what-is-remortgaging/), to find a better deal. Switching occurs when you change rates with your existing mortgage provider. Remortgaging is when you move your mortgage from one lender to another. There may be fees and charges to pay when switching or remortgaging, so make sure you understand what these are before you decide. You may be able to claim certain benefits from the government. There’s a [Help to Save scheme](https://www.hsbc.co.uk/savings/what-is-help-to-save/), as well as [Universal Credit](https://www.hsbc.co.uk/financial-fitness/what-is-universal-credit/) and other services that can help with things like your energy costs. See what other [benefits you may be able to claim](https://www.gov.uk/browse/benefits). Billions of pounds of government benefits and allowances are going unclaimed. You can [use this free calculator](https://www.hsbc.co.uk/financial-fitness/could-you-be-missing-out-on-unclaimed-benefits/#calculator) to find out if you’re missing out. Book a financial health check You can book an appointment with one of our financial fitness trainers, who can take you through a 30-minute financial health check. Our financial fitness trainers are on hand to speak to you about your banking needs – and you don’t have to be an HSBC customer to benefit from this service. They won’t give financial advice, but they’re here to help you achieve your financial goals, whatever they may be. They'll be able to explain where you’re doing well and where you may be able to improve – focusing on what's important to you.
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