Tips to hang onto family cash

Households must learn to keep tabs on their budget, writes money doctor, John Lowe

4th June, 2011

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It is crucial to complete a household budget as your first exercise. First, work out exactly what you are spending each month and, from this, determine initially how much disposable - and, if applicable, surplus - income you have.

That is what is left after tax, and after you pay your rent or mortgage, household bills, food, petrol and ‘spending money’.

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