Money matters

Feeling the pinch? These top tips from the RCN will help you manage your money

Money matters

With pay for many health care staff falling in real terms, and living costs on the rise, there has never been a better time to re-address your relationship with money.

Becoming savvy with your spending will help you to cut costs where possible and make the most out of your pay packet each month. In tough times, even small changes can make a big difference and help reduce the stress of making ends meet.

Here are some top tips, taken from The RCN Money Guide for HCAs, HCSWs, APs, Trainee Nursing Associates and Nursing Apprentices, to help you make the most of your finances.

Leave the credit card at home

Only use credit for planned purchases, after you’ve had time to think about how you’ll pay it off. Try to avoid taking it on nights out and shopping trips.

Close up of several credit cards

Become bank-wise

Many banks offer attractive introductory offers to tempt you to switch. Some will even give you up to £150, so it pays to check out different options. Visit for the latest deals and advice.

Woman putting bank card into an ATM

Flash your staff card

Many stores, especially independent shops, will give a discount to NHS staff so remember to show your staff card just in case.

A building with a large NHS sign on the outside

Avoid food waste

In the UK we throw away £13 billion of food every year. This website has lots of great ideas for avoiding food waste, including shopping and cooking tips and recipe ideas:

A pan full of pasta

Don’t forget RCN perks

As an RCN member you get access to a whole load of deals, discounts and bonus points through RCNXtra. From cinema tickets to utilities, there are many savings to be made. Visit to register at no extra cost and start saving straight away.

Find out more

Download The RCN Money Guide for HCAs, HCSWs, APs, Trainee Nursing Associates and Nursing Apprentices

Front cover of the RCN HP money guide

If you're struggling financially, the RCN's welfare service offers information on benefit entitlements, debt advice and more.

Words by Leah Williams

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