Ever checked your bank account to discover you have 76p to last you the two weeks remaining until payday? Chances are that if you are living to a tight budget this will have happened at some point. P

Schools out for Summer!!! But how are we going to keep the children happy – and how can we do it for the lowest cost possible???   Apart from the obvious problems of child care during the holidays (

  Step 1:Use a realistic estimate for your basic guaranteed take home for the month, try to be conservative. For instance: if you have earned £1050.00 in May, £900.00 in June and £1000.00 in July, c