Cash calendar - tips for August
Summer spending can push people into financial trouble for the rest of the year so now is a good time to check the budget, an expert says.
The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips for those trying to keep their personal finances in order.
Andy Webb, from the service, says reviewing your finances can be as easy as picking up a piece of paper and a pen.
Video Journalist: Kevin Peachey