Manage your money - Budgeting

Budgeting and reducing debt is an important part of financial planning. Here, we offer some tools and guides to help you start.

Audit your finances and budgeting

When reviewing your finances, start with the basics

Wouldn't you rather spend your money on days at the beach or at festivals than wasting it on mobile phone minutes you don't need?

One man coping with redundancy after 20 years with the same company explains how he's living on less

Hannah Wilson wishes she'd saved a little instead of spending all the money she made in her first job on having a good time

If you're thinking of moving out on your own for the first time, make sure you understand the costs involved

Keeping track of your money is easier if you set aside time

Debt is dominating the news at the moment, whether it's rising personal debt, or the national debt (money owed by the government)

Everybody needs to spend money, but if you shop wisely you can reduce your debt at the same time

Many students leaving university now have debts of tens thousands of pounds