If you want to live a life free of the constant stress about money, you need to have a budget.
A budget is a spending plan which helps you understand your real financial position and how much money you actually have to spend. Simply put, a budget breaks down your income vs. expenses so you can manage your spending and saving in real terms without relying on guesswork.
Even if you have extra money at the end of the month, setting aside money for bigger items or an emergency fund will keep you in that position going forward. According to Andrew Munro the tedious task of keeping track of your budget is made much easier with the available budget apps. Whatever method you use whether it is a spending journal, keeping receipts or the cash system, keeping a budget will keep you on track and give you peace of mind.
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Once you have set out your budget keeping to it can be challenging at times
Have a loan up to $500 in your account, with manageable repayment options designed to suit everyone. We offer short-term Cash Advance solutions to get you through to your next payday.
First use our cost calculator to decide whether or not a Pretty Penny loan is right for you.
Then to apply, simply complete our quick online application and send us a bank statement. Or call us and one of our friendly staff will be happy to help. You can use our cost calculator to get an estimate of your repayment amounts. We do our very best to help every Kiwi that applies.
Our motto is to: “Treat everyone with the same respect and trust, regardless of their personal or other circumstances”
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Read the original source article here: finder.com.au/