Your household.
A plan for the people in it.

Food, school and other commitments: bring them together so you can see what is available for saving.

Three steps to get started.

Write down food, rent, water, energy and travel. Use actual spending where possible.

School supplies, repairs and costs that do not arrive every month still need a place in the plan.

Choose a realistic amount for unexpected costs. There is no single amount that fits every household.

We have listed essentials and when they fall due.We have chosen one savings goal.We have agreed when to review the plan.

Use the tools on this website to prepare for your conversation.

YOUR NEXT STEP

Bring household bill dates together with the timing of your income. Start with your own records.