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How to budget
How I did it: I used the Irish NCA website where you enter in your income and expenditures to calculate whether you'll be in the red or not...I just wanted to be sure that I will have enough money in the New Year to join the gym!
Lessons & tips: Once you write everything down, you'll realise how spending on small things like lunches and magazines all add up. I'm glad I wrote all this down so I can feel safe within my limits.