Budget & Banking Ready

Budgeting will help you to make the most of your money.
Try to make a spending plan/budget like below. Ideally it will show all your outgoings versus income and what you have left to spend.

Budget Planner

Make sure you prioritise your bills. These tips will help you save money:

• Shop around and use comparison websites.
• Fuel clubs can be an alternative to buying independently.
• Speak to a Citizen advice energy specialist.
• Apply for Council Tax reduction.
• Ask Welsh Water for reduced water rates. This could halve your water bills if you are claiming benefits, have a large family or medical conditions.