How to Budget

Many people and households use budgeting as a way to manage their money. It can be a fairly simple process and can help you to save money and spend within certain limits. It can be easy to start a budget.

Try our free budgeting tool

Put what comes in and what goes out in one place and the tool does the arithmetic for you, showing what is left over and where a small change would make a real difference.

Open the budgeting tool

If you would rather work on paper, we've developed a very basic budgeting workbook which you can download and complete on your computer, or print it and complete it by hand. You could also just get a blank sheet of paper and copy the headings, or create a spreadsheet on your computer using the same headings - whichever would be best for you!

Our Budget Workbook is only 4 pages and is all you need to get started.

When completing your budget, be realistic and honest - check actual bills and receipts to avoid underestimating what you currently spend. We've also included a little idea to help to identify cheaper alternatives which could save a lot of money over a year.

If you need any help to complete your budget, or have any suggestions for how we could improve the workbook, please do get in touch by e-mail at any time or call us on 01592 714 888 during normal business hours.