It’s not your salary that makes you rich, it’s your spending habits”

- Charles A. Jaffe

What do you think of when someone says the word budgeting? Chances are it’s not completely positive.

For a lot of people, budgeting makes us think of restrictions we put on ourselves and feeling bad about spending money. That just simply isn’t the case!

Have a particular goal in mind
- Maybe you’re saving for a car, house or holiday. With your sights firmly set, making adjustments to your spending will come with great reward.
Be reflective of your past behaviour
- Things don’t change overnight, so your budget should take into account your previous spending patterns as much as your future goals.
Be flexible
- When it comes to your spending patterns, no two months are the same. Treat your budget in the same way.