I think it is very important that people make out a planner, on it they have what money is coming into the household and starting with the most important list in order the items that need to be paid.
Whether you are paid by the week or the month your planner must reflect this.
When you have your planner filled out total up all your outgoings and minus it away from your incomings and you will be left with a figure that you can spend freely till your next pay cheque.
If people stick with their planner they will remain debt free however if we spend more than our incomings we will be engrossed in debt quite quickly. |