We will then contact you with the appropriate action. How it works: The budget planner enables you to input your monthly income and expenses.
NB All our estimates are based on business days and assume that shipping and delivery don't occur on holidays and weekends. Order may come in multiple shipments, however you will only be charged a flat fee.ġ-2 days after each item has arrived in the warehouseġ The expected delivery period after the order has been dispatched via your chosen delivery method.ģ Please note this service does not override the status timeframe "Dispatches in", and that the "Usually Dispatches In" timeframe still applies to all orders. Items in order will be sent via Express post as soon as they arrive in the warehouse. Order may come in multiple shipments, however you will only be charged a flat fee.Ģ-10 days after all items have arrived in the warehouse A flexible budget will help you avoid overspending.Items in order will be sent as soon as they arrive in the warehouse. Each month, look at your spending and goals, Reevaluate and adjust where you assign your discretionary spending. Give every dollar a job, based on your goals and what you discovered when you tracked your spending.
It should also include things like groceries, entertainment, gas, or surprise expenses. These can include your goals, such as debt payment or savings. The amount of income you have left is what you can spend on discretionary expenses.
If you are paying off debt, such as student loans or a credit card bill, find the minimum payment for each debt. These are expenses you must pay each month, such as rent, insurance premiums, taxes, childcare, or your cell phone bill. Pick the most pressing goals, such as paying off debt or creating an emergency fund, first. Remember, you can adjust these over time. Do you want to save money? Pay off debt? Stop overspending? Decide on realistic goals.
Be sure to include automatic payments, subscriptions, and utilities. Spend a month keeping track of everything you spend, whether you pay with a credit card or cash, to find what your real expenses are. This should include all sources, such as a paycheck, tips, Social Security, disability, alimony, or investment income.