Practical Guide to Better Budgeting Book

Practical Guide to Better Budgeting Book
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    Practical guide to better budgeting

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    Practical guide to better budgeting Saving can be a challenge but if approached properly, it can also be rewarding. Get pointers on how to make saving really work for you in this practical guide to budgeting. Contents 3,See what you’re spending – 3, 3,and where to sa 3,ve 6,Top tips for cutt...

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    Practical guide to better budgetingSee what you’re spending – and where to saveLook at your regular outgoings as well as all those incidental costs to get a true picture of your spending. It’s a good way to work out what’s essential, what’s not and where you might be able to save.Option...

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    Practical guide to better budgetingMONTH 1MONTH 2MONTH 3MONTH 4MONTH 5MONTH 6INCOME AmountTOTALOUTGOINGS AmountTOTALINCOME AMOUNT OUTGOINGS AMOUNTTOTAL £TOTAL £

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    Practical guide to better budgetingIdentify your essentialsOnce you have the figures in front of you, it can be easier to work out where you could save.Decide on your essential spending for the week, month and year. Consider things like:WEEKLY (x 52) MONTHLY (x 12) YEARLYTravel Rent or mortgage I...

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    Top tips for cutting back costsPractical guide to better budgeting1Work out which debts attract the highest interest and aim to pay these off first. Explore the most favourable mortgage rates – and remortgaging fees – online. You can also shop around to find other ways to save while servicing...

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    6Some providers will offer you a better deal to sign up to a fixed annual tariff based on your usual consumption. Even agreeing to pay by direct debit could get you a discount – but keep track of your readings to make sure your monthly charge is accurate. 7 If you’re looking for a better ...

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    More ways to spend lessHow you approach your spending can have a big impact on your ability to save. Paying close attention to timing is often a way to reduce waste and save more. Choose food with long end dates and seek out last-minute travel bargains – and set your own reminders rather than s...

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    Practical guide to better budgetingTravel tips:Buying travel tickets well in advance will usually get you great savings. If you travel the same route regularly, consider getting yourself a season ticket. Think about walking or cycling shorter journeys, and save the car for when there’s no alter...

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    Practical guide to better budgetingEnergy savingsTurn off standby and don’t leave chargers on constantly. Think longer-term too: energy saving light bulbs and better insulation will help you save on bills. Check out our guide tactionURI(http://www.sainsburysbank.co.uk/library/default/resources/...

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    Practical guide to better budgetingPractical steps to savingBe sure to add saving to your monthly budget. You may have a clear savings goal, whether it’s a holiday, a car or a deposit for a home. Even if you don’t have something specific in mind, having a little money set aside for a rainy da...

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    This PDF aims to be informative and engaging. Though it may include tips and information, it does not constitute advice and should not be used as a basis for any financial decisions. Sainsbury’s Bank accepts no responsibility for the content of external websites included within this PDF. All i...