Start by checking whether an Oyster or contactless fare cap, a Travelcard or a Railcard would be cheapest for your regular journeys, and consider walking or cycling for shorter trips. Use London’s free museums, galleries, parks and libraries for low-cost entertainment, and compare supermarket prices or use reduced-to-clear sections before shopping. Check whether you qualify for a Council Tax discount, a cheaper broadband or mobile deal, or support through the official GOV.UK cost-of-living guidance. Set a weekly spending limit and review bank statements regularly so small takeaways, subscriptions and travel costs do not quietly build up.