How to Budget – Part Two

expensesIn part one, we explained the process of drawing up your monthly expenditures and comparing these to your income to find out if your budget balances. In part two we look at ways of cutting expenditure to achieve a surplus or at least balance your budget.

Remember, the monthly expenses we listed in part one included retirement and emergency savings, so even if you just manage to balance your budget you are still on the right track. Continue reading