Happiness = income $100 - expenditure $99

Charles Dickens first penned a similar decree in his novel, David Copperfield, (only he explained it in pounds and shillings). But it’s as true today as it was in the nineteenth century.

To get ahead we need to spend less than we earn. The first step is to know where your money goes – how do you spend it and is the spending really necessary? Once you can measure your spending you can start to manage it – and then you’re on the path to financial freedom.

A budget need not restrict you – we can show you how.