Money ClarityA Simple Household Budget

Twelve chapters take you from why a budget works to a 20-minute monthly money check: your money goals, an income worksheet and benefits check, regular bills and the yearly costs that catch people out, a four-week spending diary, and building your monthly budget (50/30/20, zero-based and pots).

Then it covers habits that stop the leaks and a subscription clear-out, the energy price cap and switching, broadband, mobile, social tariffs and insurance renewals, council tax in Scotland with Fife’s 2026–27 bands, borrowing traps, buy now pay later and Scottish debt options, and saving with Help to Save and ISAs explained simply.

Every chapter has a “What the evidence says” section and a worksheet or checklist, plus a 30-action bill-cutting checklist, a year planner, free help in Scotland and Fife, a glossary and full sources.

• Why a budget works
• Money coming in
• Money going out
• Your four-week spending diary
• Build your monthly budget
• Habits that stop the leaks
• Energy: the price cap and switching
• Broadband, mobile, TV and insurance
• Council tax and help with housing costs
• Borrowing traps and getting help with debt
• Saving: your emergency pot and beyond
• Your monthly money check
• Free help and useful contacts
• Glossary and sources