Free Budgeting Software
In one of my previous posts (which can be accessed here) we talked about the importance of creating a budgeting plan to aid in some sensible financial planning so you don’t spend all of your student loan in a crazy few weeks (which is easily done).
There are free budgeting software out there on the market to help you actually set-up and track your budget, also they allow you to make some changes and carry out some analysis on your spending habbits. Downloading and installing a free budgeting software is a great idea to simplify the budget creation process, so below I have highlighted some of the most popular free budgeting software out there on the world wide web at the moment.
ClearCheckBook - A great tool which offers many fantastic features such as comparing your actual spends to your budget, it’s all done and stored online so it’s accessible anywhere, even via your mobile phone. I would say it’s one of the best free free budgeting software out there at the moment so please do check it out.
Free Budget Planner - If you have excel or open office, Martin Lewis at the fantastic MoneySavingExpert.com is offering free templates for a budgeting plan, simply download and open with your favorite spreadsheet software, it’s pretty comprehensive and include most important aspects, you can always add anything which isn’t there, there is also an online version available if you don’t have spreadsheet software.
DIY Spreadsheet - If you can create simple spreadsheets, then you should consider creating your own budget on Excel or OpenOffice. You can tailor the whole thing to suit your needs and include what you want. Sit down at the end of every day or week and input all of the data so you keep ontop of everything.
Those are my favorite methods for keeping a budget electronically, there is always the chart on a piece of paper method but it’s not so easy to keep up-to-date. We would love to hear from you if you have anything to add here.



I know it’s very tempting to just run out and grab that take away pizza, Chinese or kebab from across the road because you either can’t be bothered to rustle something up or you have no ingredients in the cupboard. But I’m speaking from experience here when I say that you will put on a lot of weight and you will find yourself skint. You’ll probably be shocked if you added up how much you spend on takeaways every month, it’s so much cheaper and healthier to cook your favorite meals, especially if you follow some of the tips I will outline in this post.
ch Up:
This post has been written thanks to an email I received from a reader regarding the 