Keep Track of your Spending

Everyone makes regular payments, whether it be travelling to work or buying food. It's important to know exactly how much you spend, and when, so that you don't spend more money than you earn.

If you have your own, or share, a home, then you may well find that most of your money goes on household bills. If you live at home with your parents you will still have some regular costs, e.g. travel, clothes, socialising. 

Start off by listing all your bills and when they are due for payment. The list below may help you:

  • Rent or mortgage
  • Utilities: gas, electricity, oil and water
  • Telephone
  • Broadband connection
 
  • Satellite or cable television
  • TV licence
  • Insurance: home and car
  • Council tax
  • Food
  • Travel
  • Credit/store cards
  • Leisure/hobbies
  • Clothes
  • Alcohol/tobacco
  • Children

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