What is a budget?
It's going to have different meanings for everyone who reads this. For me a budget is our incomings and outgoings. Having any money left over after all the necessary bills are paid gives us our budget for the month.
This money then has to feed us, and provide us with any entertainment and cover those unexpected bills that always pop up.
So where do you start?
If you're struggling with the monthly spends and never seem to have anything left then you really need to start to look at what you're actually spending. Are you wasting money? Have you got any diret debits active that could be cancelled?
A great place to start is by working out all your finances. A great calculator for this can be found here, but remember to be completely honest with it or it wont work.
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