It’s important to know where you spend your money. Through efficient management of your finances you will be able to plan for your future with confidence. Spending the time to complete a budget planner will help you to take control of your financial situation.

To ensure your budget is based on realistic figures keep a written record of all your income and outgoings for at least three months. If you find that your income is greater than your expenses, then you could use these funds to implement a strategy for your future financial security.


Belinda Frazer