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Loren

So, the festive period is boxed away and we’re embarking on another year. There’s lots of bad we could talk about, but here at Monese we’re using the reset as a chance to get wise with our money management. Let’s make this year’s goals a reality, whether it’s saving for something special or finally feeling confident with our finances, we’ll get there by kicking off the year with #dryspendjan. 

### __Buddy up with your budget __
Our budgeting feature is your new best friend. If you don’t get your Monese salary paid into your account (find out how to do that here!), then deduct all your direct debits and known outgoings before moving the rest to your Monese account. Now you’ve got your disposable income and you can set a budget on each spending category with live transaction alerts.

We let you know when you’re at 80% of your budget, as well as a notification for when you’ve overspent, so you’ll know for sure that unfortunately buying lunch out multiple days this week is not viable at this moment in time…At the end of January, you’ll see your spending habits and can adjust your budget accordingly for Feb. 

### __Believe second(hand) is the best__
Don’t just think of charity shops for clothes - although a great place to start if you’ve realised a raincoat should have been on the Christmas list! If you need to buy presents this month, they’re brilliant treasure troves to discover homeware or vintage books and records. A unique gift for someone else that saves you money, donates to charity *and* avoids buying new -what’s not to love?

Consider holding a clothes swap party with friends too. It clears those unworn and unloved clothes in return for clothing that’s new to you, without relying on the fast fashion cycle. 

### __Food for less__
Shake up the way you food shop. Maybe not the sentence ending you were expecting, but just making a couple of changes could help you keep spending to a minimum. Plan your meals using online recipes, stick to a shopping list and don’t turn your nose up at the reduced section. Make a cheat code for yourself by buying easy meals to make when you can feel the takeaway temptation beckoning. 

### __Top the Pots__
Hopefully you’re already using our [Pots](https://monese.com/it/en/products/pots "Monese Pots") feature as it’s an easy way to save by rounding-up transactions and keeping your savings right where you can see them. Hold a (friendly!) saving competition with someone else that’s on Monese and see who can reach £100 first. Not invited anyone yet? Get a [referral bonus](https://monese.com/gb/en/invite-and-earn "Friend referral") of up to £30 for each friend you invite using your link under the Invite tab on your app.  

### __Kiss social media ads goodbye__ 
Social media seems to know exactly when you are most vulnerable to bombard you with targeted ads. Like we suggested in our post Covid spending control blog, hit the ‘x’ on ads as much as possible. Not only will it help against impulse spending (no, you do not need an electric pencil sharpener), but it also protects against [purchase scams](https://www.takefive-stopfraud.org.uk/advice/business-advice/purchase-scam-business/ "What are purchase scams?") which are on the rise. 

### __Step up__
For the less active amongst us, another 2-4-1 is more moving and less spending on small transport trips by making the most of walkable journeys wherever possible. You could download an exercise tracker -if you don’t have one already -and see how the little choices can add towards your activity for the day. If you've just joined a gym or want to start a new hobby, how about popping a pound in a Pot every time you go? Reward your motivation and grow your savings too!

### __Lay foundations __
If being more financially savvy is on the vision board for 2023, this one’s for you. We’ve lowered our [Credit Builder](https://monese.com/ie/en/features/credit-builder "What's our Credit Builder?") to only £2.50 a month, less than a cup of coffee. You choose the amount you can afford to put away each month, and using it for a year could give you a glowing credit score which equals better deals on credit cards, payment plans and even mortgages. Building a better life can start here! 

The final tip is to make sure to keep one treat that you know is good for you -body, mind or soul. If that’s your gym membership, a meal at your fave pasta restaurant, or an extra large coffee on a Monday then keep it! This month it’s just about thinking before we buy, keeping spending at a minimum, and making the most of things that don’t cost the world. 

Got another tip to share with the community? Share with us on [Facebook](https://www.facebook.com/MyMonese "Monese Facebook page"), [Twitter](https://twitter.com/monese "Monese Twitter"), [Instagram](https://www.instagram.com/monese/ "Monese Instagram") or write to us at community@monese.com. We’ll post our favourite ones! 


January-budgeting-tips-header

Dárek, pootevřený, s kolečkem procenta uvnitř, mincemi a bankovkami, které se vznáší kolem kolečka

Blog post > Tips & Tricks > January money management

Let’s make this month all about money management

Top budgeting tips for January and beyond

Overflowing inboxes with flashing banners, targeted ads in every corner of your social feeds, the lead up to Black Friday seems to start earlier every year with seductive sales and discounts. But with shopping scams on the rise and the current financial climate, this year requires a little more vigilance. Nothing the Monese community can’t handle, though!

The good news is that it’s a perfect opportunity for early Christmas shopping, especially if you have any tech-lovers in your life, as this is where the best deals and reductions are. Comparing sale prices on the higher priced items and sticking to a pre-planned budget is always sensible. You could even make a [Monese Pot](https://monese.com/gb/en/products/pots "Monese Pots information") to put aside exactly what you’re working with (if you’ve already done this, you have permission to be smug) plus, it makes it harder to give in to the dopamine chase of an impulse buy. Our [rewards platform](https://monese.com/gb/en/offer-6f52b052d5574047a0fa317ef74a5567 "This week's rewards") has some brilliant offers on SIM cards and home Broadband, so you could be upgraded whilst paying less. 

Be wary of items that don’t offer value or might even have an increased original price to make the discount seem better. There’s lots of commentators giving advice on what’s truly a deal or not, and the consumer testing and review company Which? offers trusted insight. 

![Black Friday Dos & Don'ts](//images.ctfassets.net/96dxy75w1gjr/6t7RnBW4G8ZS0W4RDcrjBM/dd990fb88db37a0cd5e89c6c7aeb4223/Featured_Image.png)

Unfortunately, a lot of people are in financial difficulty and may turn to scamming as a way to make money quickly. There’s been a 14% rise in purchase scams over the past year; goods are advertised on Facebook Marketplace or Instagram and people send money to scammers directly by bank transfer, only for the items to never show up. Always buy from trusted retailers and if it seems too good to be true, it probably is! 

Be careful of texts and emails asking you to click on links, especially from what seems like a parcel delivery company, even if the sender has the same name. If you’re expecting a delivery, you should have tracking information through a verified email address -which could be checked by a quick Google search. It all may seem obvious, but it’s good to be aware and to pass on advice to family members that might not be as confident. 

Citizen’s Advice Bureau have a [handy tool](https://www.citizensadvice.org.uk/consumer/scams/check-if-something-might-be-a-scam/ "Citizens Advice Bureau scam checker tool") to check for scams and don’t forget to take a look at our [top tips](https://monese.com/gb/en/blog/fraud-awareness "Staying fraud aware blog post") for staying fraud aware. 

Finally, have fun! 


Black Friday shopping

Black Friday hero image

Shopping bags next to a tablet with a mouse hovering, a security padlock is hidden amongst the bags

Blog post > Happy Black Friday > 24/11/22

Let's make it a good one

Happy Black Friday!

Možná si myslíte, že už víte všechno, ale technologie se vyvíjejí dále a naše digitální stopy rostou, takže roste i množství způsobů, jak se můžete stát terčem podvodníků. V tomto [rychlém kvízu](https://businessquiz.takefive-stopfraud.org.uk/ "quick quiz") uvidíte, jak můžete čelit potenciálním podvodům. 

(A první tip je zkontrolovat hypertextové odkazy pomocí nástroje kontroly bezpečnosti webových stránek, jako je [Google Safe Browsing](https://safebrowsing.google.com/ "Google Safe Browsing")!)

Díkybohu, bezpečnostní opatření a systémy se pouze zlepšují, ale všichni můžeme dělat něco pro to, abychom zůstali informováni. Národní kampaň Take Five aktivně vybízí všechny, aby před provedením platby nebo zveřejněním informací provedli tyto tři kroky: 

__ZASTAVTE__ - Na chvíli se zastavit a popřemýšlet, než se rozloučíte se svými penězi vás může udržet v bezpečí. 

__ZPOCHYBŇUJTE__ - Je v pořádku odmítnout, zavrhnout nebo ignorovat jakékoli požadavky. Pouze zločinci vás budou snažit uspěchat nebo způsobí paniku. 

__CHRAŇTE SE__ - Ihned se obraťte na svoji banku, pokud si myslíte, že jste byli podvedeni a nahlaste to Action Fraud. 

Pamatovat si tyto hlavní body nám pomůže zůstat ve střehu, ale co dělat, když narazíme na konkrétní druh podvodu? 

![Druhy podvodů 1](//images.ctfassets.net/96dxy75w1gjr/31v6NDU2DXyMdg01OsLgEG/86a7f42cce52bd83a468229f4e1cd557/1.png)

![Druhy podvodů 2](//images.ctfassets.net/96dxy75w1gjr/5dOSFIG3Ad2IaCnVPfLrVt/ce47adc135162899f4715c44d33eb744/2.png)

Ale neberte mě za slovo, já jsem jen textař. Nyní k tomu, co říká vedoucí oddělení rizik, Colin Darby a obchodní ředitelka Aneel Sandhuová. 

Aneel říká:
> „Aplikace si do svého telefonu instalujte pouze z důvěryhodných zdrojů. To je App Store pro zařízení společnosti Apple a pro zařízení Android stahujte pouze z Playstore. Stahování nebo instalace aplikací přímo z internetu může obsahovat skrytý malware, který lze použít k převzetí kontroly vašich bankovních aplikací, včetně Monese.“ 

Colin říká:
> „Podle výroční zprávy o podvodech došlo za poslední rok k prudkému nárůstu podvodů s investicemi, doručováním a nákupy, protože více lidí nakupuje online. Sledujte naše zprávy v aplikaci, přes které budete požádáni o potvrzení, že chcete platby opravdu provést. 

Celou zprávu si můžete přečíst [zde.](https://www.ukfinance.org.uk/system/files/2022-06/Annual%20Fraud%20Report%202022_FINAL_.pdf "2021 Annual Fraud Report") 

Zjistěte více o kampani Take Five [zde.](https://www.takefive-stopfraud.org.uk/ "Take Five campaign") 

Zaregistrujte se u Citizens Advice Bureau #ScamAware a přihlaste [k odběru zpráv](https://www.citizensadvice.org.uk/about-us/our-work/our-campaigns/awareness-raising-campaigns/scams-awareness-campaign-2022/ "Citizens Advice scam aware mailing list") a vybídněte rodinu a přátele, aby udělali to samé. 


Povědomí o podvodech

Mějte se na pozoru před podvody

Blog post > Staying fraud aware > 15/11/22

Nejlepší tipy, jak se vyvarovat podvodům


At Monese, we’ve always been an advocate for ending IBAN discrimination. Last year, we shared a [blog](https://monese.com/blog/iban-discrimination "IBAN discrimination (yes, there is such a thing!)") with tips on what to do if you’re ever faced with this sort of injustice from an employer, merchant or any other company in SEPA (the Single Euro Payments Area) refusing to accept your SEPA-enabled IBAN for euro payments or direct debits. 

That’s why we’re very happy to be joining Wise’s [Accept my IBAN](https://www.acceptmyiban.org/ "Report it, so we can stop it!") campaign along with other leading fintech companies to put a stop once and for all to this all-too-common illegal practice. We and our peers in the fintech space realise that this is something our customers across Europe face daily — even though it’s against the law. 

<div data-comp="signup"></div>

## How can I report IBAN discrimination?
![acceptmyiban.org-smaller](//images.ctfassets.net/96dxy75w1gjr/4lR2J2utqXXUKp6HB1JDh/3bcc2e692be4aaccf9fcf3839383f133/acceptmyiban.org-smaller.png)
As part of the campaign, you can now visit [acceptmyiban.org](https://www.acceptmyiban.org/ "End IBAN discrimination") to report details of your case, which will then be passed on to the right authorities. Anyone can submit a case, regardless of who you bank or pay with. 

If you’re ever faced with this kind of discrimination, it’s important to remember to gather documented proof of the rejection, whether that’s written, a screenshot or any other interaction you’ve had with the merchant or organisation. This will help better support your case when eventually presented to the relevant authorities. 

Remember: anytime a service provider, salesperson or employer refuses to accept your IBAN, they’re breaking the law. 

Report it, so we can stop it!

Monese part of the fight to end IBAN discrimination once and for all 

We’ve joined the Accept my IBAN campaign 

Accept my IBAN Hero (1)

EU IBAN screen Monese app blue background

Blog post > We’ve joined the Accept my IBAN campaign 

We’re very happy to be joining Wise’s Accept my IBAN campaign along with other leading fintech companies to put a stop once and for all to IBAN discrimination. 

Jeśli jesteś w Londynie, zauważyłeś już pewnie reklamy dotyczące <a href="https://monese.com/gb/pl/blog/2018/10/new-card-designs">naszych nowych kart</a>, jak i ogromny meteoryt, który spadł przy stacji King’s Cross - a to tylko część naszej nowej kampanii!
<figure><img src="{asset:3655:url}" /></figure>
 
Pomyśleliśmy, że pora opowiedzieć ci o niej więcej!

 
<h3>Czy naprawdę wydaje nam się, że po Brexicie nastąpi apokalipsa?</h3> 
Jasne, że nie.
Nie spodziewamy się też w najbliższej przyszłości żadnego meteorytu w okolicach Londynu. Nasza instalacja i powiązane z nią plakaty są odpowiedziami - z przymrużeniem oka - na jedne z najbardziej ekstremalnych spekulacji dotyczących tego, jak będzie wyglądać życie w Wielkiej Brytanii po 29 marca 2019.

Dla przykładu, we wrześniu tego roku Wielka Brytania została ostrzeżona, że będzie ostatnim krajem w Europie powiadomionym o ewentualnym meteorycie zmierzającym w kierunku Ziemi, ponieważ po wyjściu z Unii Europejskiej kraj automatycznie straci dostęp do europejskiego programu do obserwowania i śledzenia obiektów w przestrzeni kosmicznej (EUSST) - właśnie ta wiadomość zainspirowała nas do stworzenia kampanii.
 

 
<h3>Teraz na poważnie...</h3> 
Sytuacja Wielkiej Brytanii stoi obecnie pod znakiem zapytania. Poprzez naszą kampanię chcieliśmy przekazać krótką i prostą wiadomość: cokolwiek się stanie, wszyscy powinniśmy kontynuować budowanie rozwiązań, które pozwolą nam zostać w kontakcie. Właśnie tym zajmujemy się w Monese, łącząc ludzi w Wielkiej Brytanii i reszcie Europy dzięki naszym kontom bieżącym, dostępnym prosto z twojego telefonu i działającym w dwóch walutach: euro i funcie brytyjskim.

Cokolwiek się stanie 29 marca 2019, ludzie wciąż będą podróżować po świecie czy też studiować i pracować za granicą. Każdy z nich będzie potrzebował stałego dostępu do pieniędzy niezależnie od tego, gdzie akurat będą - dlatego wierzymy, że bankowość powinna być z tobą na każdym kroku.

Takie było nasze zdanie od zawsze - być może pamiętasz nawet naszą zeszłoroczną kampanię <a href="https://monese.com/gb/pl/freemovement">Free Movement</a> powiązaną z otwarciem kont europejskich.

 
<h3>Co znaczy dla mnie Brexit? 
</h3> 
Zdajemy sobie sprawę z tego, że niektórzy nasi klienci są zaniepokojeni wyjściem Wielkiej Brytanii z Unii Europejskiej, tym bardziej, że do tej pory nie wiadomo, jak dokładnie będzie ten proces przebiegał. Obiecujemy jednak jasno komunikować z wami wszystkie nowe informacje, aby upewnić się, że każda wasza wątpliwość - dotycząca tego, co dalej robić i z kim rozmawiać - zostanie rozwiana. 

 
<h3>Jak Monese łączy mnie z innymi?
</h3> 
Nasze dwuwalutowe konta bieżące pozwolą ci pozostać w kontakcie z Europą i swobodnie zarządzać swoimi finansami. Są dostępne w ponad 20 krajach, obsługiwane w 11 językach i pozwalają ludziom i firmom na poczucie lokalnej bankowości niezależnie od lokalizacji.

 
<h3>Czy Monese będzie dalej działał po Brexicie?</h3> 
No jasne - cokolwiek się stanie, Brexit nie wpłynie na nasze usługi, a my będziemy kontynuować dostarczanie ich zarówno w Wielkiej Brytanii, jak i całej Europie.
Jeśli masz ochotę, dołącz do naszej konwersacji poprzez hashtag #WhateverHappens i czekaj na więcej ekscytujących informacji dotyczących naszej kampanii!

Hero Bus

Blog post > Stay Connected, Whatever Happens

Country Tag > United Kingdom

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Rady & Triky

Top budgeting tips for January and beyond

Happy Black Friday!

Mějte se na pozoru před podvody

We’ve joined the Accept my IBAN campaign

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