Anonymous

How do to plan a home budget?

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Rebecca R-------- Profile

There are many free budgeting tools to help you do this.  It's not difficult but does require some time to be set aside to  detail accurately what your monthly income and expenditure is.  Start with your income.  Then your bills (mortgage, council tax, water, gas, electric.. Then credit cards etc..), then expenses (include everything and work it out as a monthly payment even if you pay it annually or quarterly), this will include, dental, health, shopping, petrol, parking, tax etc...

Then workout what your income - expenditure is.  This will tell you how much you have left over to save or go out with ;)

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