5 Ways To Take Back Control Of Your Money In 2025

👉 Start with a money check in
👉 Set small, achievable money goals
👉 Tackle debt one step at a time
👉 Create a 'life happens' savings buffer
👉 Reach out for support sooner rather than later
👉 Final thoughts
👉 FAQs

Simple, Caring Guidance To Help You Get Your Finances Back On Track

If your finances feel like they’ve spiralled out of control, you’re not alone, and you’re certainly not beyond help. Whether you’ve had a tough year, unexpected bills, or just feel like money disappears the moment payday hits, now’s the time to take a breath and start fresh.

Here are five practical, doable ways to take back control of your money in 2025. No judgement, just guidance, from one human to another.

1. Start with a money check-in

The first step to managing money better is understanding where things stand. It might feel overwhelming at first, but a clear picture can be surprisingly empowering.

Take stock of:

• What’s coming in (wages, benefits, side income)
• What’s going out (bills, subscriptions, daily spending)
• What you owe (loans, credit cards)
• What you’ve got (even a few pounds saved is something)

Free budgeting apps like Money Dashboard, Emma or your bank’s built-in tools can help you track spending in a way that feels manageable.

If you’ve been thinking, “I need help managing money but don’t know where to start,” this is your place to begin.

*Clicking the 'Emma' link and signing up will earn Marsh Finance a small commission. To learn more, click here.

2. Set small, achievable money goals

Trying to fix everything at once can feel impossible and demotivating. But setting small, focused goals helps you feel more in control, one win at a time.

Start with something like:

• Save £5 a week
• Cook two more meals at home
• Cancel one unused subscription
• Make one extra debt payment

It’s not about being perfect, it’s about building confidence. Over time, these actions will help you get your finances back on track.

3. Tackle debt one step at a time

Debt can feel heavy… but ignoring it makes things harder. There are ways to deal with it that don’t involve shame or stress.

Try this:

• Make a list of who you owe, how much, and what the interest is
• Pick a repayment method (like paying the smallest debts first or the ones with the highest interest)
• Talk to your lenders — many offer support plans or repayment pauses

Free organisations like StepChange, National Debtline and Citizens Advice can guide you through your options. You don’t have to figure it all out alone.

If you’ve been searching for “how to take control of finances when in debt,” know that asking for help is a strength, not a weakness.

4. Create a ‘life happens’ savings buffer

Even a small emergency fund can give you peace of mind. You don’t need thousands in savings to feel more secure, just enough to take the edge off when the unexpected pops up.

Here are a few ways to get started:

• Use round up features in your bank app to save spare change
• Sell things you no longer use on Vinted or Facebook Marketplace
• Set an automatic transfer of £2–£5 a week into a separate pot

Having something put aside helps you feel more prepared and in control of your finances.

5. Reach out for support sooner, not later

Money worries can be isolating, but support is out there. Whether you’re facing rising bills, unexpected costs, or struggling with car finance repayments, talking to someone can help lift the weight off your shoulders.

Trusted sources of support include:

• The Money Charity – for financial education and tools
• Turn2us – to check what benefits or grants you might be entitled to
• StepChange – for debt and budgeting support

At Marsh Finance, we’re also here to help our customers. If you’re struggling with payments or need breathing space, get in touch. Our team will always listen with compassion and help you find a way forward.

Final Thought

Taking control of your finances isn’t about being perfect. It’s about doing one thing today that your future self will thank you for.

Whether it’s facing your budget, setting a mini goal, or asking for support, you’re already making progress. 2025 could be the year you turn things around, and we’re here to cheer you on.

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