Keep your finances under control with our expert advice.
Household budgets are flexible by necessity. Unexpected expenses can crop up at any time, and no one wants to have their lifestyle dictated by a spreadsheet. But at least when you're employed, a pay cheque comes in like clockwork.
The first step is to track all your expenses, as accurately as you can, for three months. While fixed expenses such as rent/mortgage, utilities and so on are easy to predict, it's the flexible expenses that are more unpredictable – and more easily cut. You might also be surprised how easily you can cut them back if you really need to, with a little self-discipline. If you work from home, it's easier to cut back on things like lunches out, drinks after work and expensive morning coffees, not to mention commuting costs.
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