I know budgeting can seem like such a stressful thing and often it’s one of the MOST stressful things in any house, but, like I say with everything, it’s the little things that add up.

Step one is working out where all your money is going and where it’s coming from and getting really clear on the big picture.

Yes it’s scary and it does take a little bit of work but it is totally worth the effort.

Once you know what you’re working with, if you need to save some money, you can start looking at the little things you can do to save and watch them add up.