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dg
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MA
RT
IN L
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L IN
FO
R P
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T A
(P
er)
PAR
T B
PAR
T C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
lM
on
thly
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Lev
el T
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Mo
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e P
ay
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Pro
tect
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Mo
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t
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s &
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r C
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TS
, DR
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SM
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L IN
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PAR
T B
PAR
T C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
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on
thly
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d a
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use
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r H
om
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at
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mo
ke
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3
IN Y
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OM
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IN F
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PA
RT
APA
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BPA
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We
ek
Mo
nth
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ar
Mo
nth
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Tota
lM
on
thly
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Mo
rtg
ag
e/R
en
t:
Bu
ild
ing
s &
Co
nte
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Insu
ran
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Ba
nk
Acc
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Fee
:
Ov
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st:
Co
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cil T
ax:
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ter
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ter:
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s
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ho
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rde
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ten
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Pro
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cts/
Cle
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me
Ph
on
e
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TV
Lic
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Mo
bil
e P
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ne
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me
HO
ME
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1
MO
TO
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PU
BL
IC T
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NS
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FIL
L IN
FO
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T A
PAR
T B
PAR
T C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
lM
on
thly
D
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Bre
ak
do
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Co
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us/
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ach
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r M
ain
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r In
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r Ta
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rkin
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l/D
iese
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TR
AN
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& L
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ILL
IN F
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PA
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RT
BPA
RT
C
We
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Mo
nth
Ye
ar
Mo
nth
ly
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lM
on
thly
D
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Ca
r Lo
an
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pa
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ts
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rso
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an
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pa
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t
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pa
ym
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ts
Cre
dit
Ca
rd R
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ay
me
nts
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pa
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en
ts
RE
PA
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L
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& I
NV
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TS
FIL
L IN
FO
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T A
PAR
T B
PAR
T C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
lM
on
thly
D
esi
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Re
gu
lar
Sa
vin
gs
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p S
um
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vin
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i Ca
sh IS
As
Inv
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me
nts
Bu
yin
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ha
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nsi
on
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ym
en
ts
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vin
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/ In
ve
stm
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ts
SA
VIN
GS
TO
TA
L
7
FA
MIL
Y
FIL
L IN
FO
R P
AR
T A
PAR
T B
PAR
T C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
lM
on
thly
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esi
red
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ild
care
/Pla
y S
che
me
s
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by
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tin
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ild
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rav
el
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un
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/Dry
Cle
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ing
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pp
ies/
Ba
by
Ex
tra
s
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cke
t M
on
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oo
l Me
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Sch
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l Tri
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t Fo
od
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FA
MIL
Y T
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AL
6
FU
N &
FR
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FIL
L IN
FO
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T A
PAR
T B
PAR
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We
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Mo
nth
Ye
ar
Mo
nth
ly
Tota
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on
thly
D
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D/V
ide
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pu
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t C
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or
Fun
Big
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om
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ames
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& F
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L IN
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PAR
T B
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We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
lM
on
thly
D
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Fitn
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/Sp
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s/G
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Pri
vate
Me
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9
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& C
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PAR
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We
ek
Mo
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Mo
nth
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thly
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ive
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y T
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Fe
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tio
n C
ost
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ED
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AT
ION
& C
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TO
TAL
11
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& S
OD
SF
ILL
IN F
OR
PA
RT
APA
RT
BPA
RT
C
We
ek
Mo
nth
Ye
ar
Mo
nth
ly
Tota
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on
thly
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Re
gu
lar
Ch
ari
ty D
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& N
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ag
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& S
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& S
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S T
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13
TO
TA
LS
MO
NTH
LY
SPEN
DD
ESIR
ED
SPEN
D
1In
Yo
ur
Ho
me
2In
sura
nce
3E
ats
, Dri
nk
s &
Sm
ok
e
4Tr
an
spo
rt &
Tra
ve
l
5D
eb
t R
ep
ay
me
nts
6Fa
mil
y
7S
av
ing
s &
Inv
est
me
nts
8Fu
n &
Fro
lics
9H
ea
lth
& B
ea
uty
10
Clo
the
s
11E
du
cati
on
& C
ou
rse
s
12B
ig O
ne
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s
13O
dd
s &
So
ds
HO
ME
TO
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LC
LO
TH
ES
FIL
L IN
FO
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PAR
T B
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T C
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Mo
nth
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IN F
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Mo
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TO
TAL
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PA
RT
A:
WH
AT
DO
YO
U E
AR
N?
We
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lyM
on
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yM
on
thly
To
tal
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me
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/ S
elf
Em
plo
ym
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t
Inco
me
Fro
m S
av
ing
s &
Inv
est
me
nts
Pe
nsi
on
/ A
nn
uit
y P
ayo
uts
Be
ne
fi ts
(In
clu
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g C
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d B
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t, C
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dit
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Inco
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Gif
ts F
rom
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Inco
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INC
OM
E T
OT
AL
CURBCHILDCARECOSTS
BYUPTO£1,000AYEAR
ALITTLEknownschemeal-
lowsyoutobagchildcare
vouchersfrompre-taxin-
comemeaningbasic-rate
tax-payerscansave£300
per£1,000ofchildcare.
Save:£900/yearper
parent
ReadMartin’sarticle:
www.moneysavingexpert.
com/childcare
CRUSHCREDITCARDDEBTS
IFYOUhaveexistingcreditcarddebtssimplyshiftthedebttoanewcard
atthecheapestrate.You’llneedtoshoparoundforthebestdeals,but
therearegoodsavingstobehad.
Save:£150per£1,000debt.
ReadMartin’sarticle:www.moneysavingexpert.com/bts
CUTYOURFUELSPENDBYATHIRD
SAVEhundredsonyourfuelbillbymakingyourcarmoreefficient.Thinkof
theacceleratorasamoneypedal.Bynotover-revvingandslowingnaturally
youcanslash£££sfromyourmotoringcosts.
Save:33percentofffuelbills.
ReadMartin’sarticle:www.moneysavingexpert.com/petrol
SEVERINSURANCECOSTS
CHOPyourcarinsurancecostsbyspeedilycomparingscoresofquotes.Don’t
think“it’snottimetorenewnow”—youcanstillditch,switchandsave.
Save:Upto50percentoffyourexistingpolicy
ReadMartin’sarticle:www.moneysavingexpert.com/carins
EATOUTFORHALFTHEPRICE
IFyou’reintheknowit’spossibletoneverpayfullpriceforamealout.Using
vouchersyoucanget‘2for1’ontonsofplaceslikeZizzi,PizzaExpressandGBK.
Save:50percentoffmealsout.
ReadMartin’sdailyupdateddealslist:www.moneysavingexpert.
com/restaurantdeals
CHEAPPACKAGEHOLIDAYS
HAGGLEhardtogetyourhandsonbargainholidayprices.Withtherighttechniques
andtiming,youcanlophundredsoffpackageholidays.
Save:£500-plus.
ReadMartin’sarticle:www.moneysavingexpert.com/holidayhaggle
INTHEGreen—HURRAH!Youearn
morethanyouspend.
Providingyou’vebeenhonestwith
yourself,youcanrelaxalittle—but
moneysavingdoesn’tstopthere.In
fact,it’sjustthebeginning.Payingless
forthingsmeansyouhavemoremoney
inyourpockettoenjoylifemore(and
possiblysavesomeforthefuturetoo!)
WatchoutforMartin’sweeklymoney
savingcolumnhereforplentymoretips
onhowtoslashthecostineveryarea
ofyourbudget.
ACHIEVEYOURDESIREDMONTHLYSPEND
NOWyou’veworkedoutwhatyouspendand
whereyoucansave,usePartCtomatchyour
spendingtowhatyouearnsoitbalances.Sim-
plyallocatethespendingasnecessarytomatch
upwhatyouplantospendwiththeamountof
moneyyouhavecomingin.Tohelpyou,I’ve
developedatechniquecalled‘piggybanking’.
Seethenextpageforfulldetailsonhowthis
works.
INTHERed—MISERY!Youspend
morethanyouearn.
Spendingmorethanyouearnmay
notseemlikeabigdeal,yetit’sa
potentialdisaster—andnotjustfinan-
cially.Atbestyou’llbeeatingawayat
yoursavings;atworst,you’llneedto
borrow.
ThistypeofborrowingistheWORST
asitmeansyoucan’taffordyourlife-
styleandsothere’snoplanningto
yourdebtandnoendinsight.
YourfinancesneedIMMEDIATEsur-
gery.Firstlookatwhereyoucanmake
pain-freesavings,cuttingbillswithout
cuttingback.Thenreworkyourbudget
toseeifyounowspendlessthanyou
earn.Ifnot,gobackAGAINandhunt
foroutgoingswhereyoucancutback.
KeepaneyeouthereforMartin’s
weeklymoneysavingcolumnstacked
withmoretipsonhowtosavemoney
onEVERYbitinyourbudget.
lGOTaquestion?Email
TVMoneyGuruMartin
Lewis—creatoroftheCon-
sumer
Revenge
website—atnotw@Money-
SavingExpert.com
+HAPPINESS
MONTHLYMAGIC
HACKHUNDREDSOFFYOURMORTGAGE
MAKEmonstersavingsonyourmortgage—theyaremucheasiertoachievethan
youmightthink.
Save:£100amonthforeachonepercentlowerrateper£100,000owed.
ReadMartin’sarticle:www.moneysavingexpert.com/mortgagebrokers.
lGotothewebsite
www.moneysavingex-
pert.com/banking/Budget-
planning
RESULTS
—MISERY
TAKEthemonthlytotalfromeachareaand
enteritintheboxbelow.Thentotupyour
monthlyspendstogiveyouyourfinalgrand
figure...
NEEDMORE
PLANNERS?
HERE’Showtocontrolyourcashin2009—withthe
aidofmyuniquebudgetplanner.Itwillguideyou
throughALLyourspending,helpingyoubetterman-
ageyourmoneyinthedifficultmonthsahead.
Onething,however—beforeyoustartmakesure
you’vereadthefullinstructionsontheprevious
page.Sonowlet’sgetstarted.
nFIRSTfillinyourearningsinPartAofthetableon
theright.Ifyou’reemployedoronbenefitsenter
yourearningsaftertax.Ifyou’reselfemployedadd
yourearningsbeforetaxbutmakesureyouenterthe
taxlaterintable13.Ifyou’repaidfour-weekly,divide
yourincomebyfourandenteritintotheweekly
column.
nTHENfillintheplanneraccordingtowhetheryour
spendisweekly,monthlyorannual.Thenworkout
whatthisaddsuptoonamonthlybasisandjotit
downinthemonthlytotalcolumninPartB.Leave
themonthlydesiredamountinPartCemptyforthe
moment.
nITEMSintheweeklycolumn—multiplytheamount
by4.33(theaveragenumberofweeksinamonth)
andsticktheanswerinthemonthlytotalcolumn.
nENTRIESinthemonthlycolumn—movetheanswer
straightintothemonthlytotalcolumn.
nSUMSintheyearlycolumn—dividetheamountby
12andwritetheanswerinthemonthlytotalcolumn.
nFILLinyourexpenditureintables1to13.