Dollars And Sense

getting the things you want

DollarsandSense

Tips on budgeting

  • Don't aim for the stars with your goals. Start with small, achievable ones that keep you motivated.
  • Give your budget a bit of flexibility so that you will be able to stick to it.
  • Make sure you have allowed for 'unexpected expenses' in your budget.
  • Try to include some money for rewards to keep you motivated. Sometimes spending a small amount of money can stop you from blowing a lot.

Have you got what it takes?

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Saving tips that work

Your action

Ease up on retail therapy - don't use shopping to boost your mood or stave off boredom.

No way!
Possibly
No problem

Do the mental test drive - when you see something you want, try and think about it rationally rather than emotionally. Do you really need it? What else could the money do for you?

No way!
Possibly
No problem

Ration the junk food - all those little sums add up quickly.

No way!
Possibly
No problem

Ditch the arcade - arcade games eat money like casinos.

No way!
Possibly
No problem

Do some odd jobs for cash, or more of them - wash neighbour's cars, wash or walk their pets, baby sit, etc.

No way!
Possibly
No problem

Keep a money jar - stash loose change in a jar and when its full, bank it.

No way!
Possibly
No problem

Make your own gifts and cards - it not only saves; people appreciate the effort.

No way!
Possibly
No problem

Focus on a single financial goal - draw or cut out a picture of it and stick it on your bedroom wall.

No way!
Possibly
No problem

Results

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Important Information About Advice: As the advice on this web site has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. View our Financial Services Guide: PDF version; RTF version.