In these uncertain times, it can help to focus on the things you can control. And working out what your money’s doing for you now and where it might come from in future can give you real peace of mind.
A monthly budget is a vital step towards financial fitness. It’s the foundation of your action plan. Nearly 13 million UK adults were overdrawn at some time during 2017.1 That's potentially stressful – not to mention expensive – so your goal with a budget is to have money left over each month. A few hours spent figuring out where your money’s going could make a big difference.
What would you do if you were hit with an unexpected repair bill? Or, worse, if you lost your job? Could you rely on savings or would you need to borrow money? If you've made a start on step 1 of the action plan, you'll hopefully have some cash left over at the end of each month. Managed to do this for a couple of months in a row? That's a great sign you're getting on top of things. Rather than spending it, use it to start building up some reserves.
Let's be clear. An emergency fund is great for short-term emergencies. But if something terrible was to happen – and sadly, we all know cases where it has – an emergency fund will only go so far. Protection could provide for you or your loved ones for years to come.
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