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Were you one of the many thousands that said you’re ‘not going to crazy this Christmas?’ That you weren’t going to overspend this year or get yourself into debt at the expense of Christmas?
Having that mindset is brilliant and should be certainly something you continue with year in year out however for one reason or another it doesn’t always work out like that does it.
How to financially survive January and beyond?
Although we budget for christmas all year around we have struggled a little this year with other things that require our attention (or rather money!). It’s not always that simple to not get into debt at christmas or being that overwelmed with the things you feel you HAVE to buy that you just don’t enjoy it.
Throughout January I’m sharing 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 racked up over the festive period.
To get you started on the right foot and in preparation for some of the amazing content you are going to be receiving, today 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 these up and coming debt related series of blog posts throughout the whole of January will 100% be of use to you (another reason to sign up to our newsletter and receive your FREE budget planner is to be notified of these as and when they go live too!)
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.
Thanks for reading & I’d love to hear how you get on!
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