I’m a budgeting mum – my 3 30-second steps will make all the difference to your bank balance & save you thousands

MOST of us are feeling the January blues and waiting around for our first paycheck since Christmas.

If you've spent way too much over the festive season and want to make sure it doesn't happen again next time round, then you're in luck.

Budgeting mum, , 27, from the Midlands, UK, shared three easy ways to save thousands of pounds this year.

And Beth certainly needs to with two young children to look after and a house renovation underway.

The savvy mum-of-two reveals to Fabulous three steps to take to save cash - and they'll take you literally 30 seconds to do.

She said: "As a busy mum-of-two to young children I’m constantly trying to find ways to make our finances stretch a bit further and also save for the future.

" I think January is the perfect time to reset in many areas in our lives and finances are one of those."

Save your pennies

It's becoming increasingly rare to carry cash around these days - and most people's piggy banks are sitting collecting dust.

But that doesn't mean you have to stop saving your pennies.

Everyone has access to online banking these days, and Monzo has become a real lifesaver for many thanks to their savvy saving options.

Not only can you separate your money into pots so you can 'cash-stuff' virtually, but the bank provider also offers an automatic savings option.

Each time you make a transaction on your card, Monzo will round it up and put the extra change in a savings pot automatically for you.

Beth says:

"I use the roundup savings option on Monzo.