budgeting-basics3

That's the hard part over with for most of us.

Now analyse what it is that's putting you over the limit and decide what things you can live without, where you can find cheaper options, and what things are absolutely essential. 

The fun part, for some at least, is when you start to take control and decide exactly how much you can spend on each of your essential expenses and make a commitment to stick to those limits. 

What's left over is your 'fun money' or, even better, your savings and investment pot. 

Plan For Today To Eliminate Stress Tomorrow

The bottom line is that if you don't plan now, you're only putting off the inevitable, and the spending hangover will come. 

Take the time today to work through your budgeting plan, and your future self will thank you. 

Pen and paper is good, but if you're more digitally inclined, there are many free budgeting apps you can download to help keep you on track. 

If you really need help getting started, don't hesitate to reach out to MABS.ie, and they'll put you on the right track to getting your financial fundamentals in order.