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Take some time planning your income & expenditure - Prepare or use a budget sheet
Recognise what you might be worrying about, what you might overspend on, what your needs are, how your lifestyle affects your money etc.
List essential expenditure at least once a month, maybe when your bank statement comes in.
Try to keep a record of everything you spend, including bank & credit card statements. This helps identify regular & occasional spending patterns.
Consider setting up standing orders & direct debits where you can, e.g. for telephone & other regular payments. These can help you to plan and ensure that you are making consistent regular payments to all the places you need to.
Save (where you can) & plan for extra expenditure such as special occasions, family birthdays etc.
Try not to withdraw money too often, for example, withdraw money for the week
If you have debts, or feel you are getting into debt, or are about to borrow money but worry about paying it back, don't ignore the situation. Go for advice to a debt advice, welfare rights, council or Citizens Advice Bureau.
Reading Frontline - 0118 956 9300
Free debt and benefit advice
www.frontlinedebtadvice.org.uk
www.bbc.co.uk/radio1/onelife/finance/index.shtml - simple & useful money management information & advice including general budget calculator
Consumer Credit Counselling Service (CCCS) - specialist free advisory service, with a free telephone helpline, tel: 0800 138 111
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