Budgeting: it’s a word that can strike fear into the heart of even the most stalwart individual. Many of us tend to associate the word ‘budget’ with a fixed amount of money to spend on particular items, over a set amount of time. And while most people would agree that working with a budget is a sensible decision, the idea of actually creating one can feel daunting – to say the least.
It’s why many people with even modest assets would rather hire an accountant to manage their finances than actually tackle them personally. And who can blame them? Personal finance, however, is not quite on the same level as