Think about a plan for your money…
Having a money plan puts you in control of your money. Here are some tips to get you started…
1. Track your Money
Before you can make a money plan, you need to know what you are spending your money on. You find this out by using online money tools such as Kiwibank’s Heaps Money Planning Tool! (which is free and can take manual transactions from other banks), OR you can keep a pen and paper Spending Diary to write down what you spend your money on each day.
The Federation of Family Budgeting Services also has Free financial tools for download on their website.
2. Work out what you’ve got to spend BEFORE you go shopping.
3. Spend less than you earn – it’s the Golden Rule.
4. Don’t be too hard on yourself. Set a budget that still gives you a life. Our friendly team at Tauranga Budget Advisory Service can help you come up with just such a budget.
Phone us on 578 0969 to make an appointment for a free consultation. We are a charitble organisation so our service is always provided free-of-charge.
5. Think Deep. Base your money goals on what you really want from life. Use the Sorted’s Goal Worksheet to help.
6. Set goals and write them down. Give each one a dollar value and a timeframe.
7. If you’ve got high-interest debt,
make paying it off your priority.
8. Your saving goals should include
a fund for emergencies.
9. If something special’s coming up, plan for it
now and avoid paying more later.
Take a step towards sorting your budget, repaying your debt and building your savings – phone 578 0969 for a free appointment with Tauranga Budget Advisory Service’s fully trained budget advisers. Here’s what a few of our clients have said about us:
“Never having used this service before, I am very impressed with the knowledge & ideas offered. I would happily use this service again and will recommend it to others.”
“Grateful to all this awesome help.”
“Excellent and non-judgemental. We left with a positive attitude.”
“Service is brilliant”