budget. save. spend.

A free, short course that makes managing your money simple.

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How CAP can help

1 - Building a balanced budget

Building a balanced budget

Building a workable budget is vital in taking control of your money. It will help you see exactly what you are spending, how you could save money and prioritise your spending to include the things you really need or want to do.

2 - The CAP Money system

The CAP Money system

The CAP Money system will give you a practical way of sticking to your budget. The system uses three accounts, so you can make sure your money is going towards the things you planned for in your budget.

3 - Using cash

Using cash

Using cash for your everyday living expenses is counter-cultural, but has many advantages. It’s a powerful tool to enable you to stick to your weekly budget for food and living costs. After all – when it’s gone, it’s gone! Cash enables you to see exactly where you are with your money at all times and adds more value to what you buy.

4 - CAP Money Plus

CAP Money Plus

If you find that you can’t afford your essential living costs or meet your contractual repayments on your debts, then CAP Money Plus is for you. CAP Money Plus will negotiate with your secondary creditors (things like bank loans, credit cards or store cards) and give advice about any priority debts (mortgage, rent, council tax, etc.) to help you achieve a debt free future.

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