Finances in a household need to be managed to avoid financial stress. How do you create a budget?
Do you use a software, do you write it down on a simple piece of paper?
Personally speaking, I dont use software, I write out a list of my monthly outgoings in a book and a list of my monthly bills (mainly direct debit payments) I keep a check on my bank balance and ensure that there is enough money to pay the bills.
My new year resolution was to try and save more money, but to date there hasn't been much left over to do this with!
I think being organised is the key, I try to space things out throughout the month so that everything is not going out at once from the bank as I am paid every 2 weeks. My partner and I work together and have a joint account so that both of us know where we stand financially.
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