Budgeting Tips

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    Move some money into a savings account as soon as your pay check appears. If it's accessible until the end of the month you'll just spend it!

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  2. 2

    Prioritize your outgoings for the month, then identify where you can cut down until you have your finances under control.

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  3. 3

    Steer clear of Walmart, Safeway and the like if you only need a pint of milk or you'll end up with a trolley full of stuff, guaranteed!

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  4. 4

    Have the equivalent of three months' worth of wages in a savings account that you can access easily in an emergency.

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  5. 5

    Always pay off everything on your credit card. Never pay the minimum...do not pay for money!

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  6. 6

    Live off a set cash amount for all your purchases this week. If you can't swipe your card for a Starbucks or new clothes, you'll soon think twice.

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  7. 7

    Share the responsibility. Make sure you're not the only member of your household concerned about your budget.

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  8. 8

    When using credit cards, use one as your main card and the other(s) as back up.

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  9. 9

    For one week, write down everything that you spend and analyse where your money goes. Do you really need to spend that much on food?!

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  10. 10

    Cut bad habits like smoking and drinking.

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Budgeting

Spending less and planning for both the short- and long-term

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