Managing Your Money

Making your money work for you starts with some decisions on what you use your money for; day to day and for the future.


If you want to be on top of your money setting up a budget is important. A budget doesn’t have to be frightening or difficult to stick to, in fact very simple budgets that put you in charge are the most effective. A budget is simply a plan and a record of all the money you have coming in and all of the payments you make.

A budget should not be set in stone forever. It will changes as things change in your life, like a new job, moving home or a change in relationships.

Plan to look at your budget every few months to make sure it is working for you.

Useful Tools

Here are a couple of tools that will help you budget:

  • The first is an easy to use budget planner (you don’t have to be good at maths to use it).
  • Finding it difficult to make the income and payments balance? – Try using the cut-back calculator to help you make choices about your spending.

Where to Get Help

If you are still having trouble making the budget balance, you can contact: