Advice TAKE CONTROL AND GET SMART WITH YOUR FINANCES
We celebrate special occasions like birthdays, anniversaries, weddings and achievements, but what about celebrating the everyday things that bring us joy and fulfilment?
These budgeting steps will ensure you have enough money to enjoy the little things in life, too…
1 Start with your income
Do you get paid weekly, fortnightly or monthly? Whichever it is, set up a budget to suit that time frame. List all the money that comes in – wages, pension, benefits, investments. Write down how much for each and how often.
2 Work out your ‘need’ expenses
These are essentials you need to pay for. These include rent, mortgage, utilities, phone, internet, rates, groceries, insurances, family costs like childcare and school fees, and then personal debts…