It's all about a Plan ....

Making a budget means thinking about the things you'll need money for - and when you'll need it.

And this kind of plan isn't just about the big things, not just about saving for a bike or a guitar. It's just as much about the little things that you have to pay for regularly ...

When you get older, you might be saving for a car - but at the same time, you're putting money aside for the rent and the 'phone bill.

So budgeting is about thinking ahead, thinking about the little things as well as the big things. The boring things as well as the exciting things.

That's so you know there'll be money in the bank at the time you need it. And maybe you might have to give up a few things along the way so you know you can meet your targets ...