To many the word 'budget' can be seen to mean spending less but in fact it means spending smarter.
Think of it as a tool that allows you to prioritise your spending to ensure you have enough for the essentials whilst saving for the nice-to-haves.
If you’re short on money every month, there's lots you can do. Setting up and sticking to a budget is the best way to help you meet your needs and stay out of debt.
Use this guide to budgeting to help you get back in control of your money.
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Learning smart spending habits will stand you in good stead in the future. It’s not just about cutting back, it’s about making the right choices, and shopping around for great deals on things that are important to you. And when you’ve sorted out your finances you may well find your levels of stress and anxiety reduce too.