Top budgeting tips

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1. Don’t see a budget as being about what you can’t have, but instead, working out what you can afford.
2. Don’t deprive yourself completely. Factor in the odd treat, otherwise you will never stick to your budget.
3. Don’t use ATMs, or only use them once a week.
4. Leave your credit card at home; the less temptation, the better.
5. Only shop when you have to.
6. Shop during sales, especially for major purchases.
7. If you see something you want, look at your budget first. If you can, save the money rather than use credit.
8. Pay your bills on time. You can save hundreds of dollars a year in charges.
9. Go back through your bills and work out where you can cut costs.
10. Don’t be afraid to ask for a discount.

BONUS - Download your free budget planner here

Illustration: Donna Grethen Illustrations