The first step to good budgeting is working out your income.

Start by listing everything you regularly spend money on. Then you can think about what is essential and what you can cut down on.

We also recommend you think about setting some money aside each month for savings.

Help with budgeting

These budgeting tools and courses are provided by Blackbullion. You can use them for free – Just sign in with your Hallam email address.

• The budget decision tree - helps you balance your income and expenses
• Budget calculator tool - understand where your money is being spent
• Budgeting 101 pathway - find out what budgeting style suits you

Track your spending

It's important to have sight of your spending so that you can track where your money is going.

Budget tracker apps can help you with this. We recommend:

• Moneybox -set up an investment or savings account from your mobile phone.
• Emma - a budget tracker app that links to your online banking

Appointments

If you would like the Student Funding team to help you with budgeting and managing your expenses, you can request an appointment by contacting Hallam Help.