Money tight as ever and Christmas approaching.
Thought I was doing ok but spent last couple of days going through stuff and setting up a new spreadsheet which showed I'm not doing as well as I thought so I'm trying to do better.
Don't want to be spending money to save money to be honest and also I'm quite wary of spending via apps as I find generally they can be a pain to cancel.
So... hit me with your FREE spending/budgeting apps please?