Sunday Herald Sun - Body and Soul - - LIFESTYLE -

“Make sure you have a goal of where you’d like to be in six months or a year,” Ducki says. “In­clude your cur­rent obli­ga­tions, in­clud­ing bills, child­care costs, trans­port, and then look at your life­style.”

Hart­nett adds: “If you’re some­one who needs a take­away cof­fee ev­ery day, then keep it in your bud­get. Com­pare your bud­get with your ac­tual spend­ing to see how you’re track­ing.”

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