📊 Monthly Budget Planner
Decide where your salary goes before daily spending starts.
1. Calculate reliable income
- Use guaranteed salary and fixed allowances.
- Keep overtime, commission and delivery orders as a separate conservative estimate.
- Do not budget using the maximum income promised.
2. Separate expenses
| Fixed | Flexible | Irregular |
|---|---|---|
| Rent, instalments, family commitment | Food, fuel, mobile, shopping | Car repair, medical, visa, annual fees |
Divide yearly/irregular costs by 12 and reserve that amount monthly.
3. Use a payday order
- Pay essential bills.
- Move emergency savings immediately.
- Reserve food and transport by week.
- Set a limit for non-essential spending.
- Review actual versus planned amounts at month end.
4. If expenses exceed salary
Protect housing, basic food, essential transport and insurance first. Freeze unnecessary subscriptions/shopping, contact lenders early, and avoid using a new loan to hide a permanent monthly shortfall.