Do I need to budget?
To find out if you need to budget, ask yourself:
• do I worry about money?
• do I often have no money to pay my bills?
• does talking about money with my family cause
arguments?
• am I unable to afford the things I want?
• am I always in debt?
• have my costs increased for some reason?
• have I given up hope of having money for holidays
or retirement?
If your answer is YES to any of these, read on – it may
be a good idea to start budgeting.