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monthly budget

Does your money fly out of your bank account as soon as it is deposited? If your monthly standing orders and direct debits are eating up most of your monthly salary it is time to start making some changes to your contracts. However much you manage to increase your income, these bills are going to continue taking a sizable chunk out of your paycheque.


You may be able to negotiate better deals for your mobile, broadband, insurance and utility bills that will give you some spare cash at the end of the month. Then you can spend it on doing things that you enjoy!


Getting a better mobile phone contract

A mobile phone is no longer a luxury. It is a necessity for modern living and you probably organise your social life, shopping, transport and entertainment through your smartphone. It is important to keep up with the latest models because they offer a better service, a wider range of applications and updated software. The downside of that is the cost!  


It is easy to rush into signing a mobile phone contract if you think you are getting a good deal but you may be tied into that contract for two or even three years. If you wake up thinking I’ve changed my mind about a phone contract there is guidance on what you can do about it. This useful advice gives provider-specific tips for how you can get out of the mobile phone contract that you feel is not right for you.

Changing your utility provider

Gas and electricity bills will use up a large proportion of your monthly income. The utility industry can be very confusing and it can seem a lot of hassle to change provider but you could potentially save yourself a lot of money.


It is best to start by contacting your current provider and finding out if there is any way in which you could reduce your monthly costs. Then start looking around for a better deal. There are plenty of price comparison websites if you are sitting in front of your computer thinking that you don’t know where to start when it comes to swapping utility provider. You don’t have to rush into anything, take your time to make the right decision.

House and buildings insurance

This is an area of your life where you must avoid making a quick saving. You must be careful about keeping your possessions protected, it is important that you have insurance just in case the worst should happen. However, you do not want to have to pay for cover that you don’t need. For example, if you are living in rented accommodation you will only need contents insurance because your landlord will pay for the buildings insurance.


You may be able to make your monthly premiums less by opting for a higher excess or a slightly reduced cover. There are many websites that can help you to select the insurance policy that will suit your needs the best.




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We live in a world in which wealth is seen as a success. People are encouraged to follow career paths down which they stand to make the most money. Often, people give up on dreams because they won’t get rich following them.


Money is, ultimately, the primary drive. You can see that anytime someone asks what you do for a living. If you’re in a high paying job, like law, you get nods of approval and respect. If, however, you’re an artist, the conversation moves on pretty fast.

But, some people don’t succumb to this pressure. For those individuals, happiness is more important than money. And, they do say money can’t buy you happiness. In many ways, society wouldn’t function without those willing to take less pay to do a job they love.


That’s especially true when it comes to care jobs and teaching. The good news is, there are always vacancies in these areas. People jump ship to higher paying options all the time.Teachers are in especially high demand, and companies like Simply Education can show you the many options available. Equally, you only have to look in your local newspaper to see how many care assistants are needed.



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But, why would anyone choose a career that won’t make them rich? There are many reasons, and they’re not all to do with following dreams. Careers such as the ones mentioned above are some of the most satisfying. They are sure ways to make a difference to others. And, one thing stronger than the need for wealth, is the need to help.


Of course, caring style jobs aren’t the only ones in which people don’t make massive amounts of money. Artists and writers also work for less. But, the desire to help others is also a factor there. They want to share their art so that they can make a difference to someone.

The good news is, it’s possible to survive on the salary from these jobs. Of course it is; people do it all the time. But, it’s important to realise early on that you’re not going to be rolling in cash.


Instead, you’ll need to gain financial control of your life. If you don’t, you’ll soon start to struggle.In truth, if you get a good grip on your finances, you’ll feel as well off as many of those earning a lot more than you.

It’s important to live within your means. This is relevant for anyone, but it’s especially important for low earners. Take the time to gain a realistic idea of how much you earn, and plan your life around that. Don’t push your budget by getting a house that’s above your budget. And, don’t splash the cash on large luxury items, like cars, which you can’t afford.


We all have to make allowances to survive. Consider what you’re willing to change, and take steps to achieve the goal. You’ll soon find that a low earning job is worth doing, as long as you do it right.




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