Making a budget
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A good budget is a useful tool. It's your own personal manifesto for staying in control of your cash and on the right side of the bank manager.
The big plan
Try keeping a note of everything you spend for a month. Chances are you'll be splashing the cash on all kinds of stuff you hadn't expected and will be able to make savings. Next, make a list of all the things you need to pay for every month. Include your rent, transport, groceries, bills, loan repayments and direct debits, and anything else you can think of. Remember to include a realistic amount for entertainment and socialising. Don't force yourself to live like a hermit unless you're in serious debt.
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