Decided this week that I will be setting myself a monthly budget to stick too. Not because I have too, I mean I have a job and my outgoings don't exceed my monthly income, just thought now would be a good time as I am hopeful that by this time next year I will be with my wonderful boyfriend living together in an apartment.

So the plan is simple. I wrote down all my guaranteed income and outgoings and with that I am able to set a target of how much to spend or not spend over the course of a month. I also plan on putting money aside in case of an emergency. (Hopefully not needed)

Better start planning now and have money than not plan and have no money right? Wish me luck ^^