Times are hard, and it’s no surprise to learn many people are spending more than they earn. New research has found one in 10 people spend more than they have in their current account at least seven months each year, and more than half (59%) spend more than they earn at least one month a year. The research, for website TopCashback, also revealed that while parents with children under 18 typically have just £179 left in the bank the day before payday, nearly three-quarters (73%) of people feel they don’t have their spending fully under control, with nearly half (47%) citing the rising cost of living as the cause. And around two-fifths (41%) admit they feel anxious about the cost of living on a weekly basis. “So many people are guilty of spending above their means – let’s face it, it’s why credit cards are such big business,” says finance expert Vicky Parry, head of content at MoneyMagpie. She says emotional spending can be a real issue, pointing out: “When we feel deprived of something, it makes us seek out that dopamine to feel good, so we online shop, and we buy things we don’t even need.” And Rajan Lakhani, a money expert at the smart money app Plum, says: “With wage growth now beginning to exceed rising costs, households may be tempted to spend even more.” But he stresses it’s important to try to get any high interest debts down before succumbing to spending temptations, and notes there are plenty of easy ways for families to reduce their spending. Here, Parry and Lakhani outline their tips for family cutbacks as the cost-of-living crisis continues to bite… 1. Avoid brands Parry advises families to stop buying branded goods in the supermarket, pointing out that the mark-up can be huge. “More often than not, it’s made in the same factory as the supermarket’s own-brand product,” she says. “If you equate a brand as a stamp of good quality, then try to change this mindset – look at the taste awards and you’ll see many own-brand and cheaper products are superior.” 2. Get the kids involved with cutting energy bills If they’re old enough to understand, talk to your kids about why it’s important to switch off lights when they leave a room, and why the heating might not be on as much when winter comes. Lakhani says: “As a dad, I’m having to constantly tell my eldest daughter to switch off the lights when she’s left the room. That helps in the short-term, but explaining to children why it’s important to do this, whether it’s the benefits for household bills or the environment, means they’re more likely to remember.” He says smart meters also provide a fun way to bring cost-saving to life for kids, as they can see the impact of switching off lights or turning off appliances that aren’t being used. “It becomes a game for them, and you can create competitions around who’s being the most energy-efficient,” he suggests, pointing out that children’s help could make an important difference, as although energy bills have fallen, prices are still far higher than they were at the start of last year. 3. Budget Keeping your eyes firmly on a budget is the first step towards stopping overspending, stresses Parry, who points out there are some good budgeting apps that tell you what your monthly budgets should be. “Have lists of items you want, items you need and items that will make your life easier,” she suggests. “If you see a top in the sale, yet ‘top’ isn’t on those lists, you’re being impulsive. It’s a good way to remember what you genuinely need.” Lakhani says it’s crucial to budget in the supermarket, and families need to “develop your special superpower” against clever in-store marketing ploys. “Have a set budget and shopping list, and ringfence how much you want to spend on groceries,” he advises. He suggests buying groceries online can help with set budgets, because you can see how the costs are totting up as you put them in your virtual trolley. “Buying groceries online also reduces the chances of being tempted by impulse purchases and kids asking for extra things, while also being easier to find offers,” he says. 4. Childcare share After-school clubs may be a necessity for some parents, but the cost can be crippling – Parry points out that the average fee for an after-school club is usually between £8-£15.50 per session, so five days a week for the 39 weeks of the school year can cost as much as £2,925 per child per year. But you can cut that cost completely, she says, by getting a group of trusted parent friends together and taking it in turns to have all the children over after school for one night each a week. 5. Walk more Although it’s often tempting to use the car for short trips like the school run, Lakhani stresses: “Walking the kids to school is not only good for your pocket, but for the planet and your health. It also gives you more face-to-face time with your children, so you have more time to know how they’re feeling and what’s going on at school. “With petrol costs on the rise again as oil prices are increasing, this is a relatively simple way to cut your costs.” 6. Beware of hobby stacking Hobby stacking is when kids develop a passion for a particular pastime, and then forget it and move on to another within a few weeks. “Before you go out and buy all the kit and gear for something which is essentially a phase, try and borrow it from a friend, or make do, until you’re sure this passion is a long-term investment,” Parry advises. 7. Cut nappy costs If you’ve got a baby, nappies can cost a small fortune, but Lakhani says you can save money by buying them in bulk or having a subscription, which are often discounted. “If you’re buying in bulk,” he says, “ensure you don’t purchase too many, as you could be left with nappies that are the wrong size as your baby grows.” In addition, compare the price of nappies at different retailers, or for an even cheaper option, use reusable nappies. Not only are they cheaper (in the long run), but they’re better for the planet too. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live What is combination cholesterol therapy, as study suggests it could save lives? Cancer cases in young people ‘are rising’ – the warning signs to look out for How construction expert Daniel Ashville Louisy went from social media star to TV host

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An internet-wide debate has resulted from one brave woman’s choice to detail her at-home abortion experience on TikTok. On 20 July, a 24-year-old woman named Monica showed her TikTok followers how she completed her abortion, from the comfort of her home, for the first time at nine weeks pregnant. She began by showing the items she needed to prepare her body: the required prescription drug typically used for terminating early pregnancy, motion sickness medicine, a bottle of water, maxi pads, and Planned Parenthood’s timely instructions. “It is highly recommended to take ibuprofen (with food) and anti-nausea pills 30 minutes before your first dose of abortion pills which I did here,” she said. For her first dose, Monica – who already has one daughter – was required to put four pills in the sides of her mouth and keep them there for 30 minutes. Then, she washed down the tablets with water. Speaking with Newsweek, the woman explained why she decided to share her abortion experience using the medications mifepristone and misoprostol, which are typically prescribed to terminate early stages of pregnancy. “My hope would be that abortion becomes more normalised and seen as what it is - healthcare,” she confessed. “I wanted to create a safe space for women to come forward and share their experiences and stories about their abortions without the fear of being judged or criticised.” The 24-year-old continued: “I’ve noticed that the media tends to ignore the topic of abortion as a whole and I thought, ‘Well, maybe if I come forward and share my own journey, we can finally talk about it.’” Her video showing the side effects of using the “abortion pill” - mifepristone and misoprostol, prescribed by Planned Parenthood - has now reached over 3.1m views. However, it’s received mixed emotions and reactions online. @monicathehuman TW: Abortion Pro-Lifers please dni. This is my personal experience with abortion pills and how I prepared for the day. There is a lot left out so if you have any questions please feel free to ask and I’ll do be my best to go into more detail! Side note: I am a 24 year old mother of one. Overall, the pain was at a 10 for me and I have a very high pain tolerance and personally, it felt like being in labor without an epidural. Just note, this experience is NOT expected for everyone! For others it may just feel like a very bad period and I am someone who luckily doesn’t experience period cramps so this is not a usual thing for me! A special shoutout to @Planned Parenthood for helping my experience run smooth and quickly ❤️ My symptoms the first 12 hours: •Slight Nausea in the first 15 min. •Diarrhea •Dizziness •Fatigue after 10 hours My symptoms the morning after: •Spotting Resources: Need to talk to someone about your abortion experience? Text: 617-749-2948 Or Visit: https://www.mahotline.org/ for any info or support to self-manage a miscarriage or abortion #plannedparenthood #abortion #abortionpill #prochoice #abortionexperience #mifepristone #misoprostol ♬ Chopin Nocturne No. 2 Piano Mono - moshimo sound design While some followers thanked Monica for her vulnerability, others were opposed. “Thank you for posting. I’ve never known how these kind of abortions work,” one woman wrote. “Wtf why is this on TikTok?” another person said. “I definitely felt hesitant about documenting my abortion because I was so worried about the kind of response I would get,” Monica told Newsweek. “It was my attempt to reach out to those who may feel alone or unsupported through such a vulnerable event and to show that there is nothing to hide when it comes to making a choice that is best for you.” “In all honesty, when the negativity did start rolling in, I was just so comfortable with my decision that none of them fazed me. There was nothing anyone could have said that would have changed my mind or made me regret posting my video,” she continued. “I helped so many more people than they ever could have with their hatred and that’s what mattered most to me - helping people.” @monicathehuman Here is my abortion follow-up video for everyone wondering what that looks like! Thank you all again for your support and thank you to everyone who felt safe enough to confide in me about their journeys! ❤️ You’re all so loved and this is your reminder that you are NOT alone and you are supported by SO many despite the stigma. Abortion is Healthcare! ?? • • #abortionrights #abortionishealthcare #abortion #abortionjourney #plannedparenthood #prochoice #abortionpill #mifepristone #misoprostol #abortionexperience #aidaccess #plancpills ♬ Chopin Nocturne No. 2 Piano Mono - moshimo sound design Despite the negativity, an overwhelming number of commenters were pleased to see Monica open up about her experience. Many women related to her, and offered their own advice on how to cope emotionally and physically following an abortion. One individual said: “Please priortise your mental health after this process. It could be hard, but you got this. You are strong. You did what was right for you.” “This was so informative. Thanks for sharing your story,” a TikTok user noted, while another added: “Literally saving. Bless you, for showing us the process. I was always terrified of it.” Even commenters from US states such as Texas, Mississippi, and Alabama - where bans or restrictions to abortion access have become increasingly common - encouraged her honesty, despite being located where abortion has now been made illegal and inaccessible. “I think it’s incredibly important for women to share stories like this because in a big way, it helps to destigmatise abortion,” Monica told Newsweek. “Talking to all these women and sharing our stories together also opened my eyes to see just how little support women around the world have when it comes to reproductive health.” @monicathehuman #abortion #abortionrights #abortionishealthcare #abortionjourney #prochoice #abortionexperience ♬ original sound - Moon ? “It’s a right that everyone deserves and a choice that no one should ever make without proper resources and education. It’s heartbreaking when I hear that it’s not available to everyone just anywhere,” the mother said. “In some places, it may even place a danger on people for just talking about it. I felt so powerless with my inability to help them and I can only imagine what they may feel.” She added: “I hope that my video will reach the right people who have had questions about abortion and to hopefully clear the misconceptions and lies surrounding it. It’s not as scary as many people have been taught to believe, and they are not alone.” In 2022, the US Supreme Court officially overturned the decision in Roe v Wade, which protected a woman’s right to an abortion more than 50 years ago. One year later, 13 states have implemented total bans starting from conception, while Georgia has implemented a ban after six weeks. The Independent has reached out to Monica for comment. Read More What the GOP candidates have said about abortion rights Abortion drug case likely headed to Supreme Court after Republican-appointed judges agree to restrict access Are abortions about to be even harder to get? Schoolboy almost dies from swallowing magnets for TikTok challenge Woman shares honest review of New York City apartment TikTok mom slammed after making 5-year-old son run in 104 degree heat

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