By understanding what money you have coming in, and what you are spending it on, you can stay in control of your budget and make your money go further.

By managing your money, you can make sure that you always have money to pay for essentials such as:

• rent and council tax
• gas and electricity
• food and clothing

as well as planning for future expenses such as birthdays, Christmas and holidays.

Using a simple budget sheet can make it easier to see how much you have every week, and where your money goes. Keep a record of everything you spend over a few weeks and that can help you set a realistic budget.     

Don't forget about things that you pay for less frequently like car repairs, vet bills, christmas or school uniforms. Budgets often fail because we aren't realistic about what we really spend over ther whole year.  For a more in depth budget sheet from Martin Lewis, CLICK HERE. 

• More money coming in than going out? You can afford to save or to clear any bills/debts.
• More money going out than coming in? Look at your spending and see where you can realistically make savings.

MOST IMPORTANTLY - if you are having problems with your money, benefits or budgeting, please TALK TO US! We can offer you help and advice to help put you back in control of your money.       

Problems with Rent Arrears, Council Tax Bills, credit card demands and other bills WILL NOT GO AWAY unless you deal with them. 

If we can help – WE WILL. If we can't, we can put you in touch with someone who can.
Follow the links on the right hand side of this page for more help and advice on working out your budget, taking control of your money and managing debts.

Why not try Martin Lewis's online budget planner? CLICK HERE