“My Instagram collections stop me wasting money on things I’ll regret. I save posts about restaurants I want to visit, recipes I want to try, clothes I want to buy, looks I want to recreate and interiors inspo, all in different folders. Then, when it comes to choosing somewhere to eat or standing in Topshop not knowing where to start, I have a reference for what I actually want.” Meena Alexander, sub-editor 

“Every year I buy an annual zones 1-3 travelcard on my Oyster, which saves about £250 against buying 12 monthly tickets (and nearly £500 compared with contactless). I take money from savings to pay for the travelcard upfront, then divide the cost by 12 and pay that back into my savings each month. It’s not as complicated as it sounds, plus you get a Gold Card for even more travel savings.” Jenny Tregoning, deputy production/food editor

“I live by Google Sheets, and have a detailed document outlining everything that goes out of my current account each month – from mortgage and bills to savings, travel, living costs and ‘fun’ (yes that’s a real category). But I have a separate ‘spend and return’ sheet for anything I’ve ordered on my credit card. It tells me when I bought it, if I’ve returned it, and when the refund is due back in my account. It makes looking at my statement 1000 x less stressful.” Kat Poole, editor, Stylist Loves 

“I can’t recommend the app Chip enough. It takes around £8-£50 a month out of my current account each month and puts it into a savings account, depending on how much I’ve spent. I never miss the amount they take (usually about £15), and I’ve saved over £800 in just a year without even trying, which is extremely satisfying. If you refer friends they add interest to your savings, too.” Ava Welsing-Kitcher, junior beauty writer

“Money organisation is #life for me. I check my bank account at least once a day, and have savings, savings-savings and life savings (different categories have different rules of engagement). My top money-organisation tip is a Monzo card: I put £100 on it for travel and food every Friday, and anything I haven’t spent by the end of the week goes into savings. Do I sound dull? I could go on…” Felicity Thistlethwaite, executive digital editor