If you have found this Christmas has caused you more anxiety than joy and the growing amount of hard-earned money spent from this months paycheque is causing you dread. It’s probably time to start creating your Christmas fund for next year!
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.