Try to look at enough bills and statements from the past year to understand your usual earning and spending habits. It can help to look at past salary statements, benefit statements, bills, bank statements and credit card statements. One way to start budgeting is to list the: The key to budgeting is sticking to a basic rule – spend less than you earn. Working out how much money you need for everyday essentials like food, housing, utilities like gas, electricity, phone and water, transport and medical services can help you work out how much money you can set aside to cover unexpected expenses, save for the future and buy things you want.īudgeting can help you and your family take the first step towards control of your money.
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