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TRANSCRIPT
Bu
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MA
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IN L
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FIL
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FO
R P
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T A
(P
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PAR
T B
PAR
T C
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ek
Mo
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Tota
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thly
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Mo
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ay
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Pro
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Mo
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, DR
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SM
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FIL
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FO
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PAR
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PAR
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We
ek
Mo
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Mo
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use
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om
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IN Y
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IN F
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Bu
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Ba
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Acc
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Fee
:
Ov
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Co
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Co
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Wa
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Ra
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Me
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Ga
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use
ho
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Ga
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ten
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Pro
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Cle
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Ho
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Ph
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TV
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Mo
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me
HO
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1
MO
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PU
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PO
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FIL
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FO
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PAR
T B
PAR
T C
We
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Mo
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Mo
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Bre
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do
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r/R
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dsi
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Ra
il/B
us/
Co
ach
/Ta
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r M
ain
ten
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sura
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Ca
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Pa
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g
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iese
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Tra
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TR
AN
SP
OR
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OT
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4
CA
RD
& L
OA
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EP
AY
ME
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SF
ILL
IN F
OR
PA
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APA
RT
BPA
RT
C
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Mo
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Ca
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an
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Cre
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RE
PA
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SA
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& I
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FO
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/ In
ve
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SA
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TO
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7
FA
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FIL
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FO
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PAR
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PAR
T C
We
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Mo
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Mo
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/Pla
y S
che
me
s
Ba
by
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rav
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/Dry
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Ba
by
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on
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Sch
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FA
MIL
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6
FU
N &
FR
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FIL
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8
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Mo
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9
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& C
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PAR
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Mo
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es
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y T
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Fe
es
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uca
tio
n C
ost
s
ED
UC
AT
ION
& C
OU
RS
ES
TO
TAL
11
OD
DS
& S
OD
SF
ILL
IN F
OR
PA
RT
APA
RT
BPA
RT
C
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ar
Mo
nth
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on
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& N
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ag
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& S
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s
OD
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& S
OD
S T
OT
AL
13
TO
TA
LS
MO
NTH
LY
SPEN
DD
ESIR
ED
SPEN
D
1In
Yo
ur
Ho
me
2In
sura
nce
3E
ats
, Dri
nk
s &
Sm
ok
e
4Tr
an
spo
rt &
Tra
ve
l
5D
eb
t R
ep
ay
me
nts
6Fa
mil
y
7S
av
ing
s &
Inv
est
me
nts
8Fu
n &
Fro
lics
9H
ea
lth
& B
ea
uty
10
Clo
the
s
11E
du
cati
on
& C
ou
rse
s
12B
ig O
ne
Off
s
13O
dd
s &
So
ds
HO
ME
TO
TA
LC
LO
TH
ES
FIL
L IN
FO
R P
AR
T A
PAR
T B
PAR
T C
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dre
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BIG
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IN F
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Ch
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irth
da
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BIG
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12
TO
TAL
S
PA
RT
A:
WH
AT
DO
YO
U E
AR
N?
We
ek
lyM
on
thly
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arl
yM
on
thly
To
tal
Inco
me
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mp
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/ S
elf
Em
plo
ym
en
t
Inco
me
Fro
m S
av
ing
s &
Inv
est
me
nts
Pe
nsi
on
/ A
nn
uit
y P
ayo
uts
Be
ne
fi ts
(In
clu
din
g C
hil
d B
en
efi
t, C
hil
d T
ax
Cre
dit
s &
Inco
me
Su
pp
ort
)
Gif
ts F
rom
Fa
mil
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Fri
en
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Inco
me
INC
OM
E T
OT
AL
CURBCHILDCARECOSTS
BYUPTO£1,000AYEAR
ALITTLEknownschemeal-
lowsyoutobagchildcare
vouchersfrompre-taxin-
comemeaningbasic-rate
tax-payerscansave£300
per£1,000ofchildcare.
Save:£900/yearper
parent
ReadMartin’sarticle:
www.moneysavingexpert.
com/childcare
CRUSHCREDITCARDDEBTS
IFYOUhaveexistingcreditcarddebtssimplyshiftthedebttoanewcard
atthecheapestrate.You’llneedtoshoparoundforthebestdeals,but
therearegoodsavingstobehad.
Save:£150per£1,000debt.
ReadMartin’sarticle:www.moneysavingexpert.com/bts
CUTYOURFUELSPENDBYATHIRD
SAVEhundredsonyourfuelbillbymakingyourcarmoreefficient.Thinkof
theacceleratorasamoneypedal.Bynotover-revvingandslowingnaturally
youcanslash£££sfromyourmotoringcosts.
Save:33percentofffuelbills.
ReadMartin’sarticle:www.moneysavingexpert.com/petrol
SEVERINSURANCECOSTS
CHOPyourcarinsurancecostsbyspeedilycomparingscoresofquotes.Don’t
think“it’snottimetorenewnow”—youcanstillditch,switchandsave.
Save:Upto50percentoffyourexistingpolicy
ReadMartin’sarticle:www.moneysavingexpert.com/carins
EATOUTFORHALFTHEPRICE
IFyou’reintheknowit’spossibletoneverpayfullpriceforamealout.Using
vouchersyoucanget‘2for1’ontonsofplaceslikeZizzi,PizzaExpressandGBK.
Save:50percentoffmealsout.
ReadMartin’sdailyupdateddealslist:www.moneysavingexpert.
com/restaurantdeals
CHEAPPACKAGEHOLIDAYS
HAGGLEhardtogetyourhandsonbargainholidayprices.Withtherighttechniques
andtiming,youcanlophundredsoffpackageholidays.
Save:£500-plus.
ReadMartin’sarticle:www.moneysavingexpert.com/holidayhaggle
INTHEGreen—HURRAH!Youearn
morethanyouspend.
Providingyou’vebeenhonestwith
yourself,youcanrelaxalittle—but
moneysavingdoesn’tstopthere.In
fact,it’sjustthebeginning.Payingless
forthingsmeansyouhavemoremoney
inyourpockettoenjoylifemore(and
possiblysavesomeforthefuturetoo!)
WatchoutforMartin’sweeklymoney
savingcolumnhereforplentymoretips
onhowtoslashthecostineveryarea
ofyourbudget.
ACHIEVEYOURDESIREDMONTHLYSPEND
NOWyou’veworkedoutwhatyouspendand
whereyoucansave,usePartCtomatchyour
spendingtowhatyouearnsoitbalances.Sim-
plyallocatethespendingasnecessarytomatch
upwhatyouplantospendwiththeamountof
moneyyouhavecomingin.Tohelpyou,I’ve
developedatechniquecalled‘piggybanking’.
Seethenextpageforfulldetailsonhowthis
works.
INTHERed—MISERY!Youspend
morethanyouearn.
Spendingmorethanyouearnmay
notseemlikeabigdeal,yetit’sa
potentialdisaster—andnotjustfinan-
cially.Atbestyou’llbeeatingawayat
yoursavings;atworst,you’llneedto
borrow.
ThistypeofborrowingistheWORST
asitmeansyoucan’taffordyourlife-
styleandsothere’snoplanningto
yourdebtandnoendinsight.
YourfinancesneedIMMEDIATEsur-
gery.Firstlookatwhereyoucanmake
pain-freesavings,cuttingbillswithout
cuttingback.Thenreworkyourbudget
toseeifyounowspendlessthanyou
earn.Ifnot,gobackAGAINandhunt
foroutgoingswhereyoucancutback.
KeepaneyeouthereforMartin’s
weeklymoneysavingcolumnstacked
withmoretipsonhowtosavemoney
onEVERYbitinyourbudget.
lGOTaquestion?Email
TVMoneyGuruMartin
Lewis—creatoroftheCon-
sumer
Revenge
website—atnotw@Money-
SavingExpert.com
+HAPPINESS
MONTHLYMAGIC
HACKHUNDREDSOFFYOURMORTGAGE
MAKEmonstersavingsonyourmortgage—theyaremucheasiertoachievethan
youmightthink.
Save:£100amonthforeachonepercentlowerrateper£100,000owed.
ReadMartin’sarticle:www.moneysavingexpert.com/mortgagebrokers.
lGotothewebsite
www.moneysavingex-
pert.com/banking/Budget-
planning
RESULTS
—MISERY
TAKEthemonthlytotalfromeachareaand
enteritintheboxbelow.Thentotupyour
monthlyspendstogiveyouyourfinalgrand
figure...
NEEDMORE
PLANNERS?
HERE’Showtocontrolyourcashin2009—withthe
aidofmyuniquebudgetplanner.Itwillguideyou
throughALLyourspending,helpingyoubetterman-
ageyourmoneyinthedifficultmonthsahead.
Onething,however—beforeyoustartmakesure
you’vereadthefullinstructionsontheprevious
page.Sonowlet’sgetstarted.
nFIRSTfillinyourearningsinPartAofthetableon
theright.Ifyou’reemployedoronbenefitsenter
yourearningsaftertax.Ifyou’reselfemployedadd
yourearningsbeforetaxbutmakesureyouenterthe
taxlaterintable13.Ifyou’repaidfour-weekly,divide
yourincomebyfourandenteritintotheweekly
column.
nTHENfillintheplanneraccordingtowhetheryour
spendisweekly,monthlyorannual.Thenworkout
whatthisaddsuptoonamonthlybasisandjotit
downinthemonthlytotalcolumninPartB.Leave
themonthlydesiredamountinPartCemptyforthe
moment.
nITEMSintheweeklycolumn—multiplytheamount
by4.33(theaveragenumberofweeksinamonth)
andsticktheanswerinthemonthlytotalcolumn.
nENTRIESinthemonthlycolumn—movetheanswer
straightintothemonthlytotalcolumn.
nSUMSintheyearlycolumn—dividetheamountby
12andwritetheanswerinthemonthlytotalcolumn.
nFILLinyourexpenditureintables1to13.