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Metamorphis
How I did it: I used a the 'personal budget' template on my MacBook 'Number's Program. It has a user friendly lay out, much easier to use than Excel, which I never got the hang of to be honest.
Basically I just punched in the numbers for my income, and then really had to be smart with how to allocate the rest of my money in 'Expenses'. I broke all annual payments like insurance down to monthly amounts, and opened a new account to place all these monthly amounts in, so fingers crossed, when the time comes, I have the money there.
I have had to be very smart, as I live off a pension and and have had to be EXTREMELY tight, which has been saddening. But at least now I know where my money is going, and I don't have to stress that I might not have it for the necessities.
Read how I did it… 2 years ago
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