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Cost of Living Explained – Developing a Budget

By completing a detailed budget planner, you can effectively plan your monthly income and outgoings:


  • A budget will show you where and if the ‘missing money’ is located. You log your income, essential spending and leisure spending which normally will reveal a disposable income that doesn’t quite reflect reality. Find this money, save this money.
  • Going through your bank statements can reveal duplicate subscriptions or unexpected payments that you can cancel, amend or challenge.
  • It helps you recognise where you need to scale back spending by quantifying how much you actually spend on the small costs. Many of us love our coffee for example – by tracking how much you spend daily on things such as coffee and lunches, you can identify and reduce the small costs that all add up!