Managing your money

Managing your money on a month-to-month basis can be difficult. It doesn't always stretch quite far enough and you can find yourself short towards the end of the month.
Rather than relying on short-term "payday loans" which charge a huge interest rate, your local Credit Union can provide a long term loan and help you work out a manageable repayment plan.
The Money Advice Service Budget Planner (external link) is also a useful tool to use.  It gives a detailed breakdown of sources of income and expense, and shows available balance when completed.

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