I’ve started using apps like Pocketbook to track my spending—it automatically syncs with my bank account and gives me a clear picture of where my money’s going. I also try to use cash for things like eating out or entertainment because physically handing over money makes me think twice!

Meal planning has been another game changer. It helps keep grocery costs down and stops me from grabbing takeout too often. For bigger expenses, I use sinking funds, putting aside a bit each week for things like birthdays or holidays.

i think one of the easiest ways to go over budget if putting things on credit

It is hard to stick to a budget but it is the only way not to get behind.I have a list of bills and expenses in my diary and l have to pay them and not overspend on items that are not necessary.

First we do as a couple is to write down all the expected expenses for the entire month. Then calculate how much is our expected salary as well. After that, we always make sure that we spend on the most important stuffs first and those that are considered to be our “needs” and not our “wants”. If all expected expenses have been calculated and sum up, we also make sure that we save some of our money and put it in the bank. Making a list is really important. It is a great way to remind us that we have this so called “discipline” when it comes in handling money.

Write down Incoming money in a column and Outgoings in the next column. Then stick to it.
Look at what can be cut down or changed.
It is a discipline for sure.

Having both a big goal and some smaller ones along th way can help.

Be frugal, turn into a frugal being, like me!!

Great question. I’m shocking in regards to budgeting. If I have anything left over I see it as winning and an excuse to buy something special.. Then unexpected bills roll in. Certainly a struggle.

I’m not much help I’m the same
Some say write down all your income and expenses. Hubby doesn’t save well so I find it very hard.

Create a spending account!

I have a note in my phone with how much our income is for the fortnight, what bills we need to pay, how much we can save and anything left over is our play money. Works well for us.

My dad used to have a little set of plastic drawers. He would write a bill on each drawer, work out what amount (approximately) is needed each week to be able to pay the bills in full when due. Then he would put that amount of money in each drawer. He even had a drawer for ‘leftovers’ and was able to also save a little bit too

Keep track of what you do spend money on and try be realistic with your budget. Have rent and other essentials deducted as soon as you get paid and don’t have ready access to credit so you can’t overspend. It’s also a good idea to keep your savings goal somewhere prominent to keep you motivated.

I set up things to come out as a regular fortnightly/weekly direct debit so that way I never have huge bills come in. I also ensure that I plan out what might be coming up such as birthdays and Christmas and beginning buying when things are on special and stock up when things are cheap.