How To Do A Household Budget

I've written several posts on working out your budget and there's some fab advice and instruction on one of my favourite blogs Mortgage Free In Three

Household Budget Headache?

There's also fab advice and downloadable spreadsheets to get you organised on the Money Saving Expert Website.

If you intend to save money, for whatever reason - to get out of debt, for a holiday or rainy day (that's two different things - not a British holiday! Ha ha!) You need to be organised,know what you can afford, set goals and be committed to achieving them.

So let's find where you're at now and then we can build on that by increasing your income and saving where you can.

So your To Do List is....

1. Download a household budget spreadsheet

2. Fill it in

3. Look at where you can save money and cut outgoings.

4. Subscribe to this blog to receive the strategies I use direct to your inbox.

Its worth noting that cutting costs is not about depriving yourself or your family.  Its about not wasting money (like I identified on my Monday meal planning post) and getting value for money.

Next Wednesday, I'll be revealing the top 5 money wasters.  Subscribe and see if you're guilty!!