MONEY
Whatever money you have to live on, the chances are it never goes far enough. If that sounds like you, it might help to work out a budget plan of what your income is and what you spend.
| INCOME | EXPENDITURE | ||
|---|---|---|---|
|
Wages Benefits Housing Benefit Tax Credits Grants ema/alg Other Income |
|
||
| Total | Total | ||
If your income is more than your expenditure, then what's left over is for you to spend as you like, or to put aside towards a holiday or unexpected expenses.
If your expenditure is more than your income you need to take action. Money problems don't go away if you ignore them, they just get worse. Get help from CAB or Castlegate who will be able to suggest ways you can budget better, or manage your debts. See money problems for more information about dealing with debt.
The CAB also publish a free guide ‘York on the Cheap’. Pick up a copy from CAB or Castlegate for ideas on saving money in York.
Mon£y Management - it you are battling with bills or confused about credit you can improve your money skills with free training from CAB (either one to one or in a group). Help with childcare costs are also available. Call them for available times.
You can get stuff for free online from York Freecycle - furniture, bikes, baby equipment, clothes etc are all offered regularly. See here for more information.