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 most effective way to ensure you’re able to meet your needs and stay out of debt.
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