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61% of people don’t have a budget…. Do you?

I have tried to personally budget on numerous occasions. I have tried excel spreadsheets, Quicken and other software. I hate budgeting, most people I know also hate it as it’s pretty boring and can lead to some uncomfortable conversations both of which we tend to avoid. The trouble I have is how to budget the lumpy items, the cash and the one-offs. Given these hurdles I often give up.

When people come to me with questions about investing, those questions, irrespective of the net-worth of the client, always lead to budgets.

Budget 2013

Chancellor George Osborne has delivered his fourth budget amidst news of continuing pressure on public finances and poor economic conditions. His “aspiration” budget has halved the growth forecast, but has also provided some good news for hard working people and the low paid, while putting in place measures to curb both tax avoidance and tax evasion.