Day 3 - Know your outgoings inside out and back to front

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This may sound simple but it can be really easy to lose track of what you spend day-to-day. The best way to make sure you know is to write a list. It may seem obvious but writing down what you've spent and seeing it in black and white can make the situation feel more manageable. Obviously there are certain things that will be a regular cost, like groceries, fuel and travel, but there are other costs that don't crop up every month. So try to think of all your outgoings. By understanding what you spend you can then begin to think about reducing your outgoings.       What goes in a budget? »       You have received this email because you've previously been in contact with StepChange Debt Charity. This is a semi-regular email and should you not want to receive any further emails you can change your preferences here. For queries or if you would like to change your email address please contact us. Please read our privacy policy. This email message is intended for gfernandez.0421.outside@blogger.com and may contain information that is privileged and confidential. If you are not the intended recipient, you are hereby notified that any use or dissemination of this communication is strictly prohibited. If you have received this information in error, please return it to us immediately and delete it from your computer. The contents or opinions expressed within this email are not intended to represent the views of StepChange Debt Charity unless specifically stated to be so. This email is not guaranteed to be free from any computer viruses, although it has been checked. You should check this email and any attachments for their presence before downloading any files. Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no.2757055). Authorised and regulated by the Financial Conduct Authority.