![]() ![]() Never think that having cash in your bank account means your budget is balanced. ![]() It misses out what payments are due in or out, when direct debits are paid, and when you need to go shopping. Your bank account lies! When you check it, it only shows you a simple snapshot of the scene that day. Yet before you can solve any issues it’s important to get an accurate idea of the size and scale of the problem.īefore you start using a budget planner remember that: Major overspending can lead to a debt spiral and severe problems, that’s why using a budget planner every month is a good idea and can answer these questions quickly for you. Do you have any money left over at the end of the month? Are you eating up your savings or building up debts? The first thing to work out is, do you spend more than you earn? You should also remember to account for annual costs, such as Christmas, birthday presents, car costs, etc.Ĭreating your budget will give you a clear starting point, so that you know where your finances stand before you decide to either start cutting back or make more money. Having a budget means knowing exactly what you’re spending compared to your incomings. Knowing your income and outgoings is the first step you need to take when you are trying to take back control of your finances.ĭespite the name, creating a budget doesn’t mean you have to be frugal or only spend the same amount every week. If you are new to budgeting, then it can be hard to know where to start. How to make sure that you stick to your budget These are all perfect if you like to have a physical copy of your budget up, front and center. We’ve pulled together as many creative and free printable budget planners that you can use to help you keep your money on track. All of these budget planners can help you save money and budget right. If you are looking for free printable budget planners that can help you to save money as a family then this post is for you. ![]()
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