Why should you do a personal budget?
Working out a personal budget is important because it helps you:

• see how much money is coming into your household
• see how much money is going out
• see how much money you have left
• work out affordable offers to creditors
• plan your future spending

By following these three steps we can work out your budget

STEP 1: Working out your income
STEP 2: Working out your spending
STEP 3: Working out the money left over