When the festive season is over, it’s easy to feel guilty about how much money you spent — but that’s not going to fix it. Just as we need to cut back on the mince pies to stop our waistline expanding further, the sooner we take action on our finances the sooner our bank account will be back in shape. Download your twelve month financial fitness planner and get started!
Download your 2015 Money makeover planner
Add the money makeover to your online calendar
January – Be honest
Dust off the bank statements and create a simple budget to see what you having coming in and out.
February – Balancing the budget
Have a look at what you want to achieve and how you can get there. Need help? Try a free CAP Money Course.
March – Take the cash only challenge
It might be counter-cultural but this month, give it a try and put the value back into your money.
April - Review
The end of the tax year is a good reminder to review your accounts.
May – Saving for summer
Start putting aside money each month now, rather than putting it on the credit card and getting stung by interest charges later.
June – Pass on the wisdom
Did you know that we form spending habits from as young as seven years old? If you’ve children, spend some time teaching them the value of money. Check out CAP Money kids.
July – Stick with it!
You’re half way through! Look back and congratulate yourself on how far you have come, and remind yourself again of the end goal.
August - Back to school
Write a list together beforehand or try to buy online. Sticking to the plan is key and will help you stay on budget.
September - 100 days to Christmas
On 16 September, Christmas will be just 100 days away – that’s only four pay packets to go! Save a little every month instead of hitting the easy credit.
October – Lower your energy bills
Make sure you are ready for winter by checking your house is properly insulated.
November – Home sprint
Keep going. If things are going well, perhaps think about your goals for next year.
December – Celebrate!
Well done! You should also now be in a position where simple maintenance of your budget will keep you going long into the future. If not, don’t panic, you can get some extra help by calling us 0800 328 006.