The Easiest Way to Start a Household Budget

Let’s be honest most budgeting advice online is overwhelming.Spreadsheets, apps, pie charts, financial goals… it’s enough to put anyone off before they’ve even begun.

The truth is, budgeting doesn’t have to be complicated.In fact, the easiest way to start a household budget is to strip everything back to the basics.

Here’s how to do it in just a few simple steps.

Step 1: Know What’s Coming In

Start with your total monthly income. That might include:

• Wages or salary

• Benefits or pension payments

• Any other regular income

Tip: If your income changes each month, use your lowest typical figure to be safe.

Step 2: List What’s Going Out

Now jot down all your regular bills. Focus on the ones that must be paid your essentials.

Common ones include:

• Rent or mortgage

• Council tax

• Gas & electric

• Water

• Broadband

• Mobile phone

• Insurance

• TV Licence

You don’t need fancy software just a pen and paper will do.

Step 3: Add Up Your Bills

Add everything up and compare it with your income.Can you comfortably cover your essentials? Or are things tight?

This is your starting point. No judgement just awareness.

Step 4: Create a Simple Payment Plan

Once you know how much you need to cover your bills, you can set up a plan to pay them all on time and without stress.

You can:

• Create a standing order system

• Use a budgeting app or planner

• Or simplify things completely…
  

Let Safehomes Do It for You

At Safehomes, we make budgeting effortless.

You make one regular payment to us (weekly, fortnightly, 4-weekly, or monthly) We pay all your essential bills for you you never worry about due dates again

It’s the easiest way to stay organised no spreadsheets, no stress.

Ready to Budget the Easy Way?

Don’t let money stress take over. Start with the basics or let us do it for you.

👉 Request your free quote here Or learn more on our Homepage