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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