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Were you one of the many thousands that said you’re ‘not going to crazy last Christmas?’ That you weren’t going to overspend at birthdays or get yourself into debt at the expense of anything unnecssary?
Having that mindset is brilliant and should be certainly something you continue with
How to financially survive January and beyond?
Although we budget for Christmas all year
Throughout January I shared with you some guest posts from fellow personal finance bloggers who either have experienced debt themselves or have the knowledge and experience to help you deal with any extra credit cards, overdrafts or loans you’ve maybe racked up over the festive period or at other times during the year.
To get you started on the right foot this year and next I’ve decided to share with you my monthly budget planner.
I share this in the hope it will help you get your head around your money as far as getting down on paper your income and expenditure and help you manage your finances a little better.
This can be used by anyone not just those that are feeling the pinch of christmas; having your figures in front of you and in black and white can also keep you out of debt or help you work your way out of debt if you are currently in debt.
A budget planner allows you to see where you are overspending too and where most of your money is going.
Since leaving my ‘guaranteed-income-every-month’ corporate job I realised we needed to look at our spends.
The mindset of being able to see exactly what is going in and out of your bank every month helps massively and if after everything is calculated your expenditure is higher than your income then you need to stop, think and do something about it.
If the reason for this is due to debt repayment then the debt related series of blog posts below will 100% be of use to you so go check them out.
If you have any questions or need any guidance on the budget planner just give me a shout or drop me an email and I will be happy to help.