No Spend January!

It January! As our festive decorations begin to be packed away and a new year begins there is no better way to start a financially frugal year than a no spend month.

Creating a Yearly Budget Forecast

Short term month to month budgeting is great, but without the big picture it’s a lot harder to stick to your saving targets because you are not looking far enough ahead. A yearly forecast might be the answer! These are my steps to creating the perfect yearly budget forecast.