Most people don’t look closely at their statements because of “financial anxiety.” Make the process into an easy 30-minute task.

‘Cancel’ Quick Wins: Spotting the £7.99 gym apps or streaming trials you forgot about.

• The Standing Order Audit: Checking insurance policies or broadband contracts that have crept up out of contract.

• The Cash Flow Reality Check: Comparing what you think you spend on food/socialising vs. reality.

Actionable Takeaway: Download your last 3 months of CSV/PDF statements and highlight them using three different colours for Needs, Wants, and Savings.