The hardest month of the year is finally over, with the numerous New Year challenges such Veganuary and Dry January coming to an end. Combine this with a (very) delayed pay day and February is the time that you need to protect your bank balance more than ever. Here are five services that will streamline your spending in 2017… May the month of (smart) indulgence commence!

Fixed-price lunching

Last-minute panic purchases at lunchtime are sure to make a dent in your bank balance. Take the stress, and wasted cash, out of al-desko dining with the lunch subscription service, MealFix. (1) With delicious options from restaurants such as Neil’s Yard Pride Kitchen, &Pasta, Absurd Bird, Yalla Yalla, Melt Room, Tostado, The Potato Project and more, MealFix offers everyone access to high-quality restaurant fare for the price of a sandwich, crisps and a drink from high street grab-and-go providers.

Make sure your pals pay you back

One of the biggest bugbears of organising a hen do or any kind of group activity is, unsurprisingly, chasing people for money and in some cases, not getting your money back at all. Asking for cash can be tricky at the best of times, let alone when you have a million and one other things to consider to make the event super special. Using money pooling platforms such as Leetchi.com, (2) every guest can contribute what they need to without anyone having to take the hit of a big cost upfront. You can also see who has paid up already, encouraging guests to pay on time.Photo by jk1991 - money, plant, hand, gold, grow, economy, save, green, white, corporate, business, new, concept, life, success, growing, change, value, wealth, pile, ecology, finance, bank, idea, abstract, protection, earnings, coin, young, ron, protect, holding, care, currency, growth, metaphor, invest, golden, profit, investment, payment,

Say goodbye to pricey TV viewing

Do you have the internet? Do you have a smartphone, tablet or laptop? Then you’re in luck. Thanks to TVPlayer, (3) expensive TV services are now a thing of the past as you can download the app and watch over 100 TV channels, on-demand and live, for free – with no installation and no contract. You don’t even need to suffer with FOMO as the service includes all the best free-to-air channels such as BBC One, ITV, Channel 5, Channel 5 and Dave. If you feel like you need your fix of Ex On The Beach then fear not, you can sign up to TVPlayer Plus for only £5.99 a month to enjoy an additional 30 premium channels.

Save the smart waycanstockphoto - Woman on phone & Laptop in Bed, Woman wearing pyjamas in bed, Woman wearing rollers,

You don’t have to be rich, or investment-savvy, to save money. The new platform, Nutmeg, (4) is like having your own stockbroker, but online – and without the extortionate fees! You can put in a little, or as much, money as you like and this nifty service compiles a portfolio of investments which include stocks, bonds, property, ETFs and other types of assets. In comparison to your standard high-street bank ISA, Nutmeg could be the answer for smarter saving.

Cheaper-table Bookatable

You don’t have to sacrifice going out for dinner when you’re saving cash. Bookatable (5) lets you can dine like a king in some of the swankiest locations, with serious savings. Its Star Deals start from just £15 per person which means that you can take a loved one out for a delicious treat without breaking the bank. Steak at The Shard anyone?

 

(1) www.mealfix.com

(2) www.leetchi.com

(3) tvplayer.com

(4) www.nutmeg.com

(5) www.bookatable.co.uk