Some tips to help with budgeting your personal finances


With stacks of numbers to remember; budgeting and saving can be a nightmare. It’s worth proper planning, because the state of your finances is tied into all your goals, hopes and dreams. If you are devoted to properly managing your finances and saving for the future, the following tools, though a bit geeky would probably make life easier for you.

A couple eat breakfast before work

Budget Planner

Most of us today are often guilty of over spending and getting into debt; and despite being aware of the consequences, our overspending habits remain. The debt advice foundation is one idea to consider, as it offers debt analysing, budget planning and also provides you with a practical guide to fund management.


If you require debt advice or would like to talk confidentially to someone about debt, there’s no need to wait or book an appointment, Debt Advice Foundation’s advisors are available Monday to Friday 8am to 8pm and Saturday 9am to 5pm and you could get in touch with them to gain some key insight and advice on debt management.

Mortgage Calculator

When a friend or neighbour recommends a particular mortgage, chances are you might be unsure of how much to borrow. It’s therefore worth taking the time to plan ahead and think realistically about how much you’ll be able to repay.

Start by finding out what kind of mortgage plan would best suit in your current situation. And before borrowing, investigate the monthly installments that you will be expected to pay. Even though this depends upon your family income, age and the best mortgage rates available at the time, make sure to get the right information to rule out any nasty surprises later on. By doing so, you will be able to understand how much will go out of your pocket and where you can cut back to save.

Divorce and Separation Calculator

Life seems to be secure as long as everything is trundling along, but when things start falling apart it is crucial to estimate the long list of responsibilities that one needs to bear. There are a number of things that you might need to consider before settling down.

Draw-up a budget plan that covers child maintenance, state entitlements and child trust funds. If someone else had been making your financial decisions so far get started by adopting a strategic approach, and you do this by first taking stock of the current situation. In such circumstances, the chances are that things will be financially and emotionally difficult to handle. Always look for impartial advice and information to ensure that you’re handling your finances the best you can.