MONTHLY
BREAK THINGS DOWN
“This is key to taking control of your money,” says Casey Goodwin, a financial planner and head of paraplanning at the UK-based ethical finance firm Path Financial. “Start with your total income (minus deductions for things like taxes), then list all the essentials you spend money on each month, such as rent, fuel, bills, and food.” Free budget planner apps can help, too—MoneyHelper* has a credit card calculator to sort out your upcoming payments, while Emma combines all your accounts in one place. Heads up: some offer ‘premium’
