Money problems are one of the leading causes of personal stress and relationship breakdown. But don’t despair – there are a number of simple things you can do that will help you manage your money.
Going hand in hand with an effective household budget is saving money on those things that you truly need. To start saving, identify your needs to see where you can save money. Begin with the biggest items first, where the most potential for savings is, and move down the scale to the less expensive items. A small savings on one of the BIG ITEMS (houses and cars) combined with smaller savings on the SMALLER ITEMS (food, clothes, etc.) can add up to a significant reward in your overall budget.
The following are some thought starters: