💰 MONEY
Question: How to create a realistic budget — and stick to it?
- Track every expense. Know your leaks.
- Split into categories. Food, fun, bills.
- Pay yourself first. Savings = non-negotiable.
- Adjust monthly. Budgets evolve.
- Use envelopes or apps. Visual control works.
- Celebrate small wins. Money discipline deserves joy.
You can avoid spending a fortune over the festive period or any other time by planning ahead. It’s all about preparation. There are sackfuls of things you can do now to reduce the financial stress and avoid being skint in January and it starts by following these tips above.
