If you can add and subtract, trust me you can budget. If spreadsheets fill you with fear, fear not, I’ve done one for you all you need to do is fill it out. Budgeting really is so much easier than the majority of people believe. It’s just a case of figuring out how much money you have to work with, what necessities you need and then Probably the hardest part is being realistic, but research into how much things cost and your experience of how much it costs (like food, for example) will ensure that you budget so as to spend smarter, saving more and yet remaining realistic.


The tricky part is when it comes to implementing the budget but with a few techniques effectively sticking to your budget can be achieved (more on that later in the series).