You’ve heard the advice – if you want to manage your money better, you must budget. But writing it all down is easier said than done, isn’t it? Don’t despair! Just because you can’t write down your whole budget, doesn’t mean you can’t manage your money. In fact, there’s a good chance you’ll find it easier to tackle each area of your life one at a time, than try to tackle everything at once. Get yourself a pen and paper. Pick one major category, something that you know is costing you money – e.g. your car, the kids, food, entertainment, clothes. Write down everything you have spent on that category recently – say, the last 3 months. Check your credit card statements for transactions. If you picked clothing as your category, … Read entire article »