BUDGETING TIPS TO GET YOU THROUGH WINTER

Budgeting means creating a spending plan that allows you to balance your expenses and your income to determine whether you will have enough money to do the things you need to do or would like to do. Assupol’s head of group corporate affairs, Velmah Nzembela, lists easy budgeting hacks to start from where you are to reach your savings goals: create a system that works for you, be honest with yourself, create an emergency fund, and be transparent with your family. She says the basic rule of budgeting and saving is having your priorities in order.