how and why to create a budget
Do you have a personal budget? This article features plenty of practical budgeting advice and some key benefits of budgeting, as well as five simple budgeting tips to help you get started.
don't let money worries get in your way
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why should you start a rainy day fund?
An emergency fund, or rainy day fund is exactly that - something that you can fall back on if you're faced with an unexpected bill or financial difficulty. Benefits include:
- peace of mind, as knowing you have a safety net reduces stress and anxiety in case of unexpected expenses.
- helps with financial security as it covers surprise costs like car repairs or appliance breakdowns without relying on high-interest debt.
- prevents the need for payday loans or credit card advances with their high interest rates.
- protects your savings goals from being derailed by unplanned events.
Read on to find out how to set one up.
tips and resources
50-30-20 calculator
This 50-30-20 calculator splits your take-home monthly income into suggested spending in three areas: necessities, wants and savings.
how to create a food budget in 2025
Healthy eating can get expensive but with the right planning it is achievable. Here, we share some practical tips to stretch your budget.
cost of living support
If you're struggling to make ends meet during the cost-of-living crisis, our free and confidential services can help ease your money worries.
