Get back on track with our brand-new budget planner!

It's time to invest in yourself and get on top of your finances with our brand-new and improved budget planner. Inside the planner, you'll find a range of helpful budgeting pages to take the boredom out of sorting your finances and bills! If you're not sure where to start, we're here to help!


Why should you budget?

Creating a budget is the first step towards taking control of your finances and helping you get back on track. When you create a budget you can see where your income is going, and spot areas where you can make savings. You can also use a budget to help you plan for unexpected costs and future savings goals like buying a house, or saving for retirement.

We understand that budgeting can be a daunting experience, and one you may put off, or leave behind. However, our budget planner is a great tool for helping you find the fun in budgeting again. 


Tips on using a budget planner:

  • Determine your income: Before you can start creating a budget, you need to know how much money you have coming in each month. This includes your salary, any freelance or side hustle income, and any other sources of income you may have.
  • List your expenses: Make a list of all your monthly expenses, including rent or mortgage, utilities, groceries, transportation, and any other bills you have to pay regularly. This will help you understand how much money you have each month.
  • Categorise your expenses: Once you've listed all your expenses, categorise them into fixed and variable expenses. Fixed expenses are those that stay the same each month, while variable expenses can change from month to month. You will then get a better understanding of places where you can cut back on.
  • Set spending limits: After you've categorised your expenses, set a spending limit for each category. This will help you stay on track and avoid overspending.
  • Track your spending: Keep track of your spending each month to ensure you are sticking to your budget. Our budget planner has a range of monthly pages to help you do this.
  • Create a savings goal: Having a monthly goal to aim for will help you visualise your savings and keep track of your goals no matter what you are saving for whether that's a new car, a house or a holiday! Our budget planner has a dedicated monthly savings goal page to help you with this.
  • Reward yourself: There is no better feeling than reaching a savings goal, or paying off a debt! So, make sure you reward yourself for hitting that target!


When to track your spending:

There are no set times to track your spending, we suggest that you look at your finances daily, weekly and monthly, this will ensure you stay on track and have enough money to last the month. However, once you find your groove you will find a pattern that suits you. 

Daily: take a quick peek at your online banking to make sure there are no unexpected transactions and you have enough money for the week!

Weekly: Keep track of your weekly outgoings to ensure that you have enough money to last you to the end of the month.

Monthly: Take a look at the previous month to see how your month panned out, did you reach your monthly savings goals? Did you have enough money to cover all of your expenditures this month? Etc. It is great to plan forward every month including scheduling your pay day and regular outgoings to help you plan for the future. 


We understand that looking at your finances can be a daunting experience, however, we hope, with our budget planner you can find the fun in budgeting again! You can view our budget planner here.

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