Being able to budget effectively is a great life skill to have and one that can be learnt at any age. In straightforward terms, budgeting is making a plan to spend and save money. And it’s much easier than you might think. 

It’s especially important when planning for and during retirement as most of us are likely to have a lower income than when we were working and more time to enjoy ourselves.

It’s easier to save regularly for treats and holidays if you stick to a budget and if you start budgeting before you retire you could find yourself with spare money each month that you could use to pay more off your mortgage or to increase your pension contributions so you can enjoy a better retirement.

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