Month: January 2021

How to Prepare for Irregular Expenses in your Budget

A budget is a powerful tool for achieving financial independence. It’s an opportunity to ensure you’re spending only the cash you can afford each month. Plus, you can use your plan to improve your chances of reaching your goals for things like savings and investments. The only problem is that building a budget means considering all of your expenses – including the irregular ones. Sure, you’ve figured out how much you typically need to spend on things like electricity, broadband, food, and your living costs, but what about the birthday presents and last-minute bills that only appear every once in […]