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What is a budget?

A budget is a financial plan that tracks your income and expenses. It is a powerful tool that helps get your finances in order by helping you understand where and how you spend your money.


Why do I need to budget?

Budgeting helps you achieve your money goals.

It allows you to keep your spending under control so you can allocate funds towards what really matters such as a house deposit, a wedding or even travel plans. Without a budget, it can be easy to overspend. This can have negative consequences such as a lower credit score, additional credit card debt or being unable to pay for essential expenses such as rent and utilities.

If you worry about money often, budgeting is a great way to take control of your finances.


How do I budget?

There are several ways to budget.

Options include budgeting apps, spreadsheets or even good old fashioned pen and paper. It’s all about finding the budgeting method that works for you.

GetCreditScore’s free budget planner is a simple way to get on top of your finances. Being a digital budget, it allows you to easily make changes, see all the numbers in a simple way and ensures your information will always be saved.

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Disclaimer: The information contained in this article is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstance before acting on it, and where appropriate, seek professional advice from a finance professional such as an adviser.