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How to make a budget and stay on top of your money

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If you want to get a handle on how much money you really have, the place to start is with a budget. But how? Student Moneymanual gets nifty with pen and paper. You can learn more about student finance and pick up some money-saving tips (and use our free budget spreadsheet) at www.creditaction.org.uk/students.

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Define your goal
Establish your criteria
Choose 2 or 3 good options
Identify the pros + cons
Decide what's best
Evaluate the results

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Specific
Measurable
Attainable
Relevant
Time-bound
make sure you goal is SMART, and your money spending habits will improve greatly.