good with money

[trouble@top]

i have never been good with money!

how do i change that?

[Ethel]

By being careful to keep a budget.

Two budgets really - one for fixed monthly outgoings like rent/mortgage, rates, utilities etc.

The other one for daily outgoings. Keep a record of every single penny you spend for a month.

Then you will see where the money goes. You will be shocked, I guarantee it.

Have a close look at your income against your expenditure. If you possibly can, put a fixed amount into savings every month.

Look at your bills - is it cheaper to change provider? If you have debts on credit cards, can you change to a lower rate?
Same with car insurance, phone provider - everything.

Boring and a grind, I know, but it will pay off.

I recommend this site to everyone I know:

http://www.moneysavingexpert.com/index.phtml

There is a budget planner there too.

[trouble@top]

thank you ethel, i will look at that!