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A budget is the most fundamental and effective financial management tool available to everyone and it doesn’t cost a penny. Absolutely anyone can work out their budget and simply doing so helps you to see how much you earn, how much you spend and where you are spending it.

If you want to work out your own personal budget you can do so in many ways. If you prefer the traditional paper and pen method that is fine as it works just as effectively as using a computer. If you are more akin to personal computers or laptops then you could use a spreadsheet to note down your budget. You can also buy computer programs designed specifically to help with personal finance planning.

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