Clues On How To Budget

• Spend less than you earn
• Allocate money for different purposes
• Provide funds for emergencies and unknown events
• Include provision for capital expenses such as whitegoods
• Use realistic figures for each expense
• Be honest with what you need to spend money on
• Distinguish between wants and needs
• Look forward and include likely rises in prices
• Keep a check of where your money is going - see our Money Detective Annual Budget Tracker
• Prioritise what is important by setting Goals