Beyond Frugal: My 2024 Budget.

It’s that time of year again…….when I spend a morning with all my paperwork/bills etc and a calculator to work out my budget for the year to come. I have a very simple system for managing my money (even managing to grow savings despite my very small income) which I share with you here as it may help you if you’re not used to budgeting and are looking for some ideas/help. But….this is extreme budgeting so I may go a little too far for you…..that’s fine…..simply use the ideas on a scale which suits you. Please note: this is not financial advice, simply me sharing how I manage things.