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 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.