How to budget to fit your income – Part 5: Zero-Based Budgeting & building your Emergency Fund.

Well Done! You've made your budget, now lets allocate every penny so that we don't waste it. You know what it's like, you've planned your spending, there is £100 left over that you MEAN to use against your overdraft or debt, but then come the end of the month, it's gone. That is where Zero-Based … Continue reading How to budget to fit your income – Part 5: Zero-Based Budgeting & building your Emergency Fund.

How to budget to fit your income – Part 4: Whats left…

Nearly there... Now to budget everything else. You've done the essentials, all your bills and debts are allocated, now for any travel you have to do, cars and maintenance and building up some funds for those regular expenses so you're not caught out when Murphy comes calling. Firstly Transport: You need to get to work … Continue reading How to budget to fit your income – Part 4: Whats left…

How to budget to fit your income – Part 2: Bills and how to prioritise.

We all know what a bill is don't we, it's something we have to pay each month no matter what. But did you know that there are different types of bill? I first want to explain about Essential Bills. These are the ones that if you don't pay them you may lose your home, have … Continue reading How to budget to fit your income – Part 2: Bills and how to prioritise.

How to budget to fit your income Part 1: Why you need a budget & allocating incomes.

Budgeting is something that is a stumbling block for so many people. It is thought of as a restraint and a burden. Why should I tie myself to a budget? I earn my money, why can't I spend it on what I want, it's mine? I sweated blood and tears for that, I deserve a … Continue reading How to budget to fit your income Part 1: Why you need a budget & allocating incomes.