Plan a budget
Plan a budget so you can keep track of your income and outgoings. Check your budget every month and preferably your outgoings regularly to decide whether the individual expenses are necessary. You may want to choose cheaper solutions; for example, it may be worthwhile dropping your landline phone and moving the number to a mobile phone. Remember to save up for larger items such as a car, holiday or furniture, and remember that you also earn interest on your savings. You can probably find a budget planning form on your bank's website to get you started.
Use cash to keep track of your expenditure
Try withdrawing enough cash to cover your needs for a week - this will give you a good idea of how much you actually spend.
Check the APR
Always look at the Annual Percentage Rate when you borrow money so you can choose the cheapest loan.
Choose the cheapest way to pay
Look into what is the cheapest solution for you: Dankort, account card, credit card, overdraft or consumer loan. Use online banking to manage your budget account. This gives you a good overall picture, and doing your own banking is cheaper. Make sure you understand which charges can be made for physical
If you have any questions or if there is something you do not understand, ask your bank adviser. There is no such thing as a silly question - it's important for you to understand your finances.