Budgeting Made Easy: Simple Strategies for Saving More

If your money seems to disappear before payday and you are not sure where it went, this guide gives you a calm, step-by-step way to find out. Eight chapters walk you from working out what you actually earn and spend, through choosing a budgeting method that suits how you live, to trimming waste and adding income. It finishes with a six-step exercise that turns everything you have read into a written plan of your own.

What's inside

• Why a budget is really about awareness, not restriction, and how it lowers day-to-day money stress
• How to take an honest snapshot of your income and sort spending into fixed, variable and periodic costs
• Four budgeting styles side by side: 50/30/20, the cash envelope system, zero-based and values-based budgeting, with the pros and cons of each
• Setting short- and long-term money goals using the SMART framework
• The latte factor and other small leaks, plus practical ways to trim subscriptions, meals out and impulse buys
• Ways to add income, from side hustles and the gig economy to a first look at stocks, bonds, funds and asking for a raise
• Budgeting apps, online banking tools, round-up apps and automatic transfers, and what each is good for
• How to stay motivated: celebrating milestones, finding a budgeting buddy and adjusting the plan when life changes

Details

• PDF, 42 pages
• Instant digital download
• Read on any device, or print it
• For personal use