I have always seemed to budget and organise my money pretty well. I earn less than quite a few of my mates but always seem to have more money or be able to afford things like holidays and new clothes.
A couple of them wonder how I do it and all I can tell them is to create a spreadsheet of income and outgoings.
We have booked Ibiza a few weeks back and some mates are worried about saving for it (we go in July) I have withdrew £700 for a savings 'pot' which should cover most of it, the rest of my pay I will get by on until next time this month and I will still be able to go out etc
I watch a few holiday programs and couples moan that they have been saving for 2 years for a £2000 holiday between both of them!? Surely an average person can save more than £85 a month if they want to!
Are there any other things that I could advice my mates do to save money other than the speadsheet?
A couple of them wonder how I do it and all I can tell them is to create a spreadsheet of income and outgoings.
We have booked Ibiza a few weeks back and some mates are worried about saving for it (we go in July) I have withdrew £700 for a savings 'pot' which should cover most of it, the rest of my pay I will get by on until next time this month and I will still be able to go out etc
I watch a few holiday programs and couples moan that they have been saving for 2 years for a £2000 holiday between both of them!? Surely an average person can save more than £85 a month if they want to!
Are there any other things that I could advice my mates do to save money other than the speadsheet?