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12 Keeping my money, possessions and myself safe

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7-Benefits and Entitlements Education Anglesey

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Digartref provides a range of services including: Supported Housing and Night Stop, Day Centre, Advice and Guidance, Mediation and Learn4Life.

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12 CYM Keeping my money, possessions and myself safe

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Prosiect Paratoi - Sir Y Fflint/ Getting Ready Project - Flintshire

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Prosiect Paratoi - Sir Y Fflint/ Getting Ready Project - Flintshire

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Sut i gofrestru gyda'ch meddyg?/ How to register with your doctor?

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Sut i gofrestru gyda'ch meddyg?/ How to register with your doctor?

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I gofrestru gyda Meddyg Teulu dylech gysylltu â'ch practis dewisol a gofyn am gael eich cynnwys ar eu rhestr cleifion. Gofynnir i chi am fanylion eich cerdyn meddygol GIG neu i lenwi ffurflen yn y feddygfa a fydd yn galluogi eich cofnodion meddygol i gael eu trosglwyddo yno.

To register with a GP you should contact your chosen practice and ask to be included on their patient list. You will be asked for your NHS medical card details or to fill in a form at the surgery which will enable your medical records to be transferred there.

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Arian - Rhoi rhywfaint o arian heibio/ Money- Putting Some Aside

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Arian - Rhoi rhywfaint o arian heibio/ Money- Putting Some Aside

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Cynghorion Siopa am Fwyd/ Food Shopping Tips

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Cynghorion Siopa am Fwyd/ Food Shopping Tips

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Arian - Mae angen peth arna i!/ Money- I need some

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Arian - Mae angen peth arna i!/ Money- I need some

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Cyflogaeth- Beth rydw i angen gwybod/ Employment- What I need to know

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Cyflogaeth- Beth rydw i angen gwybod/ Employment- What I need to know

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Budd-daliadau a hawl i fudd-daliadau/ Benefits and entitlements

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Budd-daliadau a hawl i fudd-daliadau/ Benefits and entitlements

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Eich opsiynau addysg ôl-16/ Your options Post 16 Education/ 

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Eich opsiynau addysg ôl-16/ Your options Post 16 Education/ 

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Budd-daliadau a Phethau i’w Hawlio - Rhieni Ifanc/ Benefits and Entitlements - Young Parents

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Budd-daliadau a Phethau i’w Hawlio - Rhieni Ifanc/ Benefits and Entitlements - Young Parents

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Cadw Fy hun, fu arian a'ir eiddo sydd gen i yun ddiogel / Keeping my money, possessions and myself safe

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Cadw Fy hun, fu arian a'ir eiddo sydd gen i yun ddiogel / Keeping my money, possessions and myself safe

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Gallwn ni gynnal gweithdai i bobl ifanc ar unrhyw rai o’r meysydd pwnc sy’n cael sylw yn ein hadnoddau.

Yn y gweithdai un-i-un byddwn ni’n gallu edrych yn fanylach ar rywbeth, a rhoi arweiniad ar sail anghenion yr unigolyn.

I gael rhagor o wybodaeth, cysylltwch â Bethan Wilson, Swyddog Datblygu, Plant yng Nghymru gettingready@childreninwales.org.uk

We can run workshops for young people on any of the topic areas covered in our resources.

In the one-to-one workshops we are able to go into more depth on an issue, providing guidance based on the individual's needs.

For more information contact Bethan Wilson, Development Officer, Children in Wales at gettingready@childreninwales.org.uk

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Dewch o hyd i'ch Rhif GIG/ Find your NHS Number

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Dewch o hyd i'ch Rhif GIG/ Find your NHS Number

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Use this service to get your NHS number.

Your NHS number is a 10 digit number, like 485 777 3456.

You do not need to know your NHS number to use NHS services, but it can be useful to have it.

Who can use this service

You can use this service if you live in England. You can also use this service for someone else.

Before you start

We'll ask for your name, date of birth and postcode. We'll send a text, email or letter with your NHS number to you.

If you're using this service for someone else, enter their details. They'll be sent their NHS number.
Start now
Other ways to get your NHS number

If you cannot get your NHS number online you can:

find it on any letter from the NHS like a prescription or appointment letter

call your GP surgery and ask them for your number

About using this service

By using this service you are agreeing to our terms and conditions and privacy policy.

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Use this service to find your NHS number.

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Awgrymiadau Arbed Arian/ Money Saving tips

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Awgrymiadau Arbed Arian/ Money Saving tips

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Use this service to:

create a Universal Credit account

make a claim

join your partner's claim

You must have an email address. You will also need access to your mobile phone (if you have one).

If you have made a Universal Credit claim before

Sign in to return to an existing claim, report a change or make a new claim.

If you have forgotten your sign in details you can reset them or ask for a reminder.

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Use this service to: create a Universal Credit account make a claim join your partner's claim You must have an email address. You will also need access to your mobile phone (if you have one). Sign in to return to an existing claim, report a change or make a new claim.

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Gofal Deintyddol Am Ddim/ Free Dental Care

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Gofal Deintyddol Am Ddim/ Free Dental Care

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I wneud cais am Ofal Deintyddol GIG am ddim, bydd angen i chi ofyn am ffurflenni cais gan eich bydwraig, meddyg teulu neu ymwelydd iechyd. Byddwch yn derbyn Tystysgrif Eithrio Mamolaeth a fydd yn parhau'n ddilys trwy gydol eich beichiogrwydd, ac am 12 mis o'ch dyddiad geni (ceisiadau cyn geni) neu ddyddiad geni gwirioneddol eich babi (ceisiadau ar ôl geni).

To apply for free NHS Dental Care, you’ll need to request application forms from your midwife, GP or health visitor. You’ll receive a Maternity Exemption Certificate which will remain valid throughout your pregnancy, and for 12 months from your due date (pre-birth applications) or your baby’s actual date of birth (post-birth applications).

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Deintyddion y GIG yn Ynys Môn/ NHS Dentists in Anglesey

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Deintyddion y GIG yn Ynys Môn/ NHS Dentists in Anglesey

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Advice, tips and tools to help you make the best choices about your health and wellbeing.

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Peilot Incwm Sylfaenol/ Basic Income Pilot

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Peilot Incwm Sylfaenol/ Basic Income Pilot

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MoneyHelper joins up money and pensions guidance to make it quicker and easier to find the right help. MoneyHelper brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.

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Free and impartial help with money, backed by the government | MoneyHelper

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MoneyHelper: free and impartial help with money and pensions. Formerly Money Advice Service, The Pension Advisory Service and Pension Wise.

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Budget planner | Money management | The Prince's Trust

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Use this budget planner from the Money Advice Service to make sure you're in control of where your money is going.

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Sefydliadau a all helpu/ Organisations that can help

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Sefydliadau a all helpu/ Organisations that can help

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Government advice

You can use an independent, free and anonymous benefits calculator on the GOV.UK website to check what you could be entitled to.

A lot of the financial support currently available is paid automatically if you claim the relevant benefit, and claiming the right benefit can make you eligible for further financial help.

You can find out more on the GOV.WALES website by or telephone on 0808 250 5700.

Citizens Advice

Citizen's Advice gives free and impartial help and advice on things like:

cost of living

debt

money advice

Council Tax

electricity, water and gas bills

Go to the Citizens Advice website or call 08082 787 932.

Benefits advice

For benefits advice, contact the council's Welfare Rights unit at the J.E. O'Toole Centre. Telephone: 01407 760 208 or email otoole@ynysmon.llyw.cymru

Council support

The council's financial inclusion team can offer support and guidance on utility bills and financial assistance that may be available as well as budgeting support.

Find out more and make an appointment online.

Go back to the main page

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Organisations that can help with the cost of living.

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Cronfa Cymorth Dewisol (DAF)/ Discretionary Assistance Fund (DAF)

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Cronfa Cymorth Dewisol (DAF)/ Discretionary Assistance Fund (DAF)

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The Discretionary Assistance Fund provides 2 types of grant that you don’t need to pay back.

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Join over 8 million people with a Monzo account. See, save, and spend your money with Monzo.

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Dewis Cyfrif Cynilo/ Choosing a Savings Account

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Dewis Cyfrif Cynilo/ Choosing a Savings Account

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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed.

Autosave with Chip and get 0.7% interest. Normally autosave apps pay little interest. But Chip* has partnered with Allica Bank to offer a 0.7% AER variable interest easy-access account - which beats the top normal savings account - though Chip charges a £1.50 fee every four weeks, which would outweigh the interest gain for most.

Yet if you're new to Chip we've a code to get £20 cashback, which covers the fee for over a year. Sign up to Chip's app* and select the 'ChipAI' plan, and it'll set up a Chip Savings Account. Once you've registered, enter code CHIPMSE07 in 'Earn and track rewards' on the app's 'Profile' tab. Save at least £1 with Chip by 11.59pm on Tuesday 12 October and the £20 is paid on Saturday 13 November - just keep £1+ there until it's paid. You can then withdraw it to your linked current account to cover the fees, which are charged to your debit card. The cashback is only for new Chip customers.

How to get the 0.7% interest: The standard Chip Savings Account doesn't pay interest, so head to the 'Accounts' tab and open the Allica Bank account (min deposit £1, max £30,000; interest paid daily). Make sure you go into your 'Autosave settings' to ensure that's where your autosaves are going. If you reach the max £30,000, autosaves will automatically stop.

Want the 0.7% interest without autosaving? Follow the same process as above to register with Chip and set up the Allica account. Then pause autosaving by going to your profile in the app, then 'Autosave settings' then 'Skip autosaves' and choose a date - it allows this for up to three months at a time so you'll need to remember to keep doing it. Note that the maximum you can deposit in a single transaction is £5,000 - if you want to save the full £30,000 you'll need to do it in six lots of £5,000.

Which current account providers does it work with? Chip connects to most (but not all) major current account providers. It will work with Bank of Scotland, Barclays, Danske, First Direct, Halifax, HSBC, Lloyds, Monzo, Nationwide, NatWest, RBS, Revolut, Santander, Starling, TSB and Ulster Bank.

Are my savings safe? The money you put in is held by Allica Bank, which has the usual £85,000 per person protection under the Financial Services Compensation Scheme. If you have any money in the Chip Savings Account, that's covered by ClearBank's protection.

How long do I have to keep the account? You can withdraw your money whenever you want - but you'll need to keep £1+ there until at least Saturday 13 November if you want the cashback. If after that point you want to save elsewhere, you're free to do so.

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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed. Autosave with Chip and get 0.7% interest.

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Mon CF

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Môn CF can offer employment support to anyone living on Anglesey who is aged sixteen years or over and is not in full-time education.

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Y Bartnerlaeth Awyr Agored/ The Outdoor Partnership

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Y Bartnerlaeth Awyr Agored/ The Outdoor Partnership

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Pathways to Employment1 - The Outdoor Partnership

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The Outdoor Partnership established the Pathways to Employment programme in 2010 in North West Wales (Anglesey, Conwy and Gwynedd) funded by the European Social Fund (Engagement Gateway, Intermediate Labour Market and Active Inclusion) to support unemployed people back to work using outdoor activities.

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Find Careers Centres across Wales, listed by Local Authority.

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Cymunedau am Waith a Mwy/ Communities for work Plus

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Cymunedau am Waith a Mwy/ Communities for work Plus

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What is Communities for Work Plus?

Communities for Work Plus provides specialist employment advisory support and intensive mentoring for people with the legal right to live and work in the UK. You must be aged 20 years old or over, living in Wales and not in education, employment, or training, and have a complex barrier to employment.

Communities for Work Plus can provide support to help to build your confidence, gain some work experience, learn new skills or re-write your CV. Communities for Work Plus will help you as an individual and will meet with you in your local community.

What are the benefits of Communities for Work Plus?

Communities for Work Plus is a voluntary programme, offering help, support, guidance and training in relation to finding employment, through 1-2-1 advice from a team of dedicated mentors.

How does it work?

You will have your own mentor who will meet you at a convenient venue, local to you. They will find out what help you need when they meet with you and will agree next steps. There is no obligation to join Communities for Work Plus, it's entirely up to you and you can decide whether Communities for Work Plus is for you following your meeting with your mentor. If you decide to join Communities for Work Plus, your mentor will arrange to meet or contact you on a regular basis to ensure you are getting all the help you need to enable you to start work.

I'm interested in Communities for Work Plus. What do I need to do?

Contact a Working Wales adviser who will discuss your needs with you.

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Volunteering opportunity and learning new skills.

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Iechyd Meddwl a'th Lesiant Meddwl/ Health and Wellbeing

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Iechyd Meddwl a'th Lesiant Meddwl/ Health and Wellbeing

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Unit 5325 1st Floor, North Wales Business Park, Abergele, Conwy, LL22 8LJ

Website: http://www.conwymind.org.uk/

Telephone :01492 879907

Email: info@conwymind.org.uk

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Pecyn cymorth hunan -garedigrwydd/ Self Kindness Toolkit

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Pecyn cymorth hunan -garedigrwydd/ Self Kindness Toolkit

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Gellir defnyddio ein Hybiau Fedra’ i drwy alw heibio, felly does dim angen cyfeiriad arnoch gan eich meddyg teulu nac apwyntiad chwaith. Gallwch gael cefnogaeth a chyngor ar amryw faterion a allai fod yn eich poeni, gan gynnwys dyled, tor-perthynas, problemau cyffuriau neu alcohol, trafferthion cyflogaeth, profedigaeth, tai ac unigrwydd.

iCAN Hubs can be accessed on a drop in basis, so you don't need a referral from your GP or an appointment. You can access support and advice on a range of issues that may be troubling you, including debt, relationship breakdowns, drug or alcohol problems, employment difficulties, bereavement, housing and loneliness/

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Talk through your problems over a cuppa. We’ll listen without judgement, and help you to access the services and support you need.

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Y camau nesaf yn eich addysg/ Next Steps in your Education

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Y camau nesaf yn eich addysg/ Next Steps in your Education

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Your options if you want to go to sixth form, leave school or go to college and university.

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Care experienced students enrolled on full time higher education courses at Coleg Llandrillo can apply for an additional £300 which is available throughout the year. For more information contact - degrees@gllm.ac.uk.

There is also a learner support fund which helps with food and transport, childcare and general costs. Information on this can be found here - Financial Support | Grŵp Llandrillo Menai (gllm.ac.uk)

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Support for students leaving the care system/ Cefnogaeth i fyfyrwyr sydd wedi gadael gofal

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Support for students leaving the care system/ Cefnogaeth i fyfyrwyr sydd wedi gadael gofal

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Fel myfyriwr sydd â phrofiad gofal, neu rywun sy’n rhoi cyngor iddynt, eich cyswllt cyntaf yw Huw Jones neu Wendy Williams. Gall y ddau roi mwy o fanylion i chi ar bob agwedd o ddarpariaeth cymorth y Brifysgol ar gyfer myfyrwyr â phrofiad gofal cyn iddynt gael ei derbyn a thra byddant yn astudio yma.

Dedicated Staff Member for Care Experienced young people: Huw or Wendy on 01248 383707 or 3637 or e-mail: studentsupport@bangor.ac.uk.

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Support for Care Experience | Student Services & Administration: Money Support | Bangor University

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At Bangor University, we place a high priority on caring for and supporting our students. We offer a comprehensive student welfare service, as a student entering Higher Education from care or as someone advising a Care Experienced student, you can be assured that Bangor will provide you with the necessary support and information. This support is available while you’re still deciding what or where to study, continues through the university application process, and is on-going once you’ve started your course.

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Paratoi ar gyfer y Brifysgol/ Getting Ready for University 

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Paratoi ar gyfer y Brifysgol/ Getting Ready for University 

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Our university experts will help you prepare for student life.

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Teithiau 360, Fideos a Mwy/ Virtual Student Experience

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Teithiau 360, Fideos a Mwy/ Virtual Student Experience

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Y Brifysgol Agored Yng Nghymru/ The Open University 

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Y Brifysgol Agored Yng Nghymru/ The Open University 

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Fees and funding We have a range of payment and financial support options in Wales - whether you’re studying a single module or working towards a qualification.

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Cyllid Myfyrwyr Cymru/ Student Finance Wales

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Cyllid Myfyrwyr Cymru/ Student Finance Wales

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providing information and guidance on the financial help available to higher education students, living in Wales.

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Chwarae Gêmau a Gamblo/ Gaming and Gambling

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Chwarae Gêmau a Gamblo/ Gaming and Gambling

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Cynnig i rai sy'n gadael gofal Ynys Mon/ Isle of Anglesey Care Leavers Offer 

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Cynnig i rai sy'n gadael gofal Ynys Mon/ Isle of Anglesey Care Leavers Offer 

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For more information on the local offer, please contact gailwood2@ynmysmon.gov.uk

carlythomson@ynysmon.llyw.cymru

caryshughes2@ynysmon.llyw.cymru

EirianHuws2@ynysmon.llyw.cymru

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Key Money Terms Everyone Needs to Know: Easy Peasy Finance for beginners

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Syniadau Da i Arbed Arian yn y Tŷ/ Top Tips to Save Money in the House

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Syniadau Da i Arbed Arian yn y Tŷ/ Top Tips to Save Money in the House

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Other savings ideas:

Have a ''no spend day''

Meal Prep

Shop Mid-week (in the evenings) - Stores try to get rid of food before sell-buy date so you can freeze them.

Turn everything off before leaving the house (WIFI, lights, kettle etc)

Syniadau cynilo eraill:

Cael ''diwrnod dim gwario''

Paratoi Prydau

Siop Canol yr wythnos (gyda'r nos) - Mae siopau'n ceisio cael gwared ar fwyd cyn ei werthu-brynu dyddiad fel y gallwch eu rhewi.

Trowch bopeth i ffwrdd cyn gadael y tŷ (WIFI, goleuadau, tegell ac ati)

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Eithriadau'r Dreth Gyngor/ Council Tax exemptions

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Eithriadau'r Dreth Gyngor/ Council Tax exemptions

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Our site uses cookies. Before continuing to use our site you must select the cookie types that you wish to allow.

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How does it work?

The HelpU tariff helps the lowest income households in our region. If you qualify, we will cap your water bill so you won't pay over a certain amount for the year.
The annual HelpU charge is £291.30 (£124.01 for water, £167.29 for sewerage). The tariff is open from 1st August 2020.
Are you eligible?

To qualify for the tariff:

the water supply to the household must be for domestic use only

someone in the household must receive at least one means-tested benefit

the combined annual household income must be on or under the threshold for the household size as shown in the table below.

It's important to let us know the total number of occupants (including children) in your household and to include all the income your household receives from occupiers who live at your property who are aged 16 years and over.
Here's a list of types of the means-tested benefits which someone in the household must be receiving at least one of:

Universal Credit

Income related Employment & Support Allowance (ESA)

Income-based Jobseeker's Allowance (JSA)

Income Support

Pension Credit

Child Tax Credit (except families in receipt of the family element only)

Working Tax Credit

Housing Benefit

Council Tax Reduction (based on income, not just a Single Persons Discount)

Special Note: We exclude some types of income from the combined annual household income calculation:

Housing Benefit or Housing Element of Universal Credit

Council Tax Reduction / Support

Support Group, Work Related Activity Group & Disability/Carer Premiums on ESA

Disability Premiums on Child / Working Tax Credits

Disability / Carer Premiums on Pension Credit, JSA & Income Support

Disabled Child & Limited Capability For Working Elements of Universal Credit

Attendance Allowance

Disability Living Allowance

Personal Independent Payment

Carers Allowance or Carers Element of Universal Credit

You would also need to reapply for the tariff before the end of every 12-month period (you may reapply up to a month before expiry).

For more information please refer to our Terms and Conditions.

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The HelpU tariff helps low-income households on a means tested benefit by putting a cap on the amount you pay for your water.

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Beth yw elfen costau tai Credyd Cynhwysol (UC)?/ What is the Universal Credit (UC) housing costs element?

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Beth yw elfen costau tai Credyd Cynhwysol (UC)?/ What is the Universal Credit (UC) housing costs element?

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How much help with your housing costs can you get from Universal Credit?

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Cefnogaeth ar gyfer Costau GIG/ Support for NHS Costs

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Cefnogaeth ar gyfer Costau GIG/ Support for NHS Costs

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Check what help you could get to pay for NHS costs

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You could be entitled to help with health costs depending on your circumstances.

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See all the local bus and coach services on Anglesey.

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Anglesey is an unspoilt haven for walkers.

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Teulu Môn is a free service for children, families and professionals to access information, advice and assistance.

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Hwb Ymyrraeth Gynnar Ynys Môn/ Anglesey Early help hub

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Hwb Ymyrraeth Gynnar Ynys Môn/ Anglesey Early help hub

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What is Healthy Start?

If you're more than 10 weeks pregnant or have a child under 4, you may be entitled to get help to buy healthy food and milk.

If you're eligible, you'll be sent a Healthy Start card with money on it that you can use in some UK shops. We'll add your benefit onto this card every 4 weeks.

You can use your card to buy:

plain liquid cow's milk

fresh, frozen, and tinned fruit and vegetables

fresh, dried, and tinned pulses

infant formula milk based on cow's milk

You can also use your card to collect:

Healthy Start vitamins - these support you during pregnancy and breastfeeding

vitamin drops for babies and young children - these are suitable from birth to 4 years old

If you live in Scotland

You can get help from Best Start Foods (opens in a new tab) instead.

Advice on healthy eating

For more advice on healthy eating, visit:

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If you're more than 10 weeks pregnant or have a child under 4, you may be entitled to get help to buy healthy food and milk. If you're eligible, you'll be sent a Healthy Start card with money on it that you can use in some UK shops.

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Grant Mamolaeth Cychwyn Cadarn/ Sure Start Maternity Grant

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Grant Mamolaeth Cychwyn Cadarn/ Sure Start Maternity Grant

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A one-off £500 payment from the Social Fund to help with the cost of your baby.

Eligibility:

You’ll get the grant if your new baby is the only child under 16 in your family and you or your partner get one of the following benefits:

Pension Credit

Income Support

Universal Credit

Income-based Jobseeker’s Allowance

Income-related Employment and Support Allowance

Child Tax Credit at a higher rate than the family element

Working Tax Credit which includes a disability or severe disability element.

To Apply for this - please complete the attached form:

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Sure Start Maternity Grant is a £500 payment to help with the costs of a new baby: what you’ll get, eligibility and how to apply (claim form SF100).

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Ffurflen Gais Budd-dal Plant/ Child Benefit Application Form

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Ffurflen Gais Budd-dal Plant/ Child Benefit Application Form

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Child Benefit is a regular payment of money from the government to help with the cost of raising a child.

The rates for the 2024/25 tax year are:

£25.60 a week for the eldest or only child

£16.95 a week for each additional child.

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What we'll cover

Budgeting styles and their impact

Strategies to add structure to your budget

How online bank accounts can help you stay on track

Have you ever wondered why some people seem to effortlessly manage their finances while others struggle to make ends meet? The answer often lies in how they budget.

Understanding your approach to budgeting can be the key to achieving your financial goals and a peace of mind.

Ready to uncover your budgeting style? Take our quiz and discover your own unique approach.

Stash your cash

Envelope budgeting is a hands-on method for managing your finances. It involves dividing your monthly income into different envelopes, each representing a specific spending category like groceries, utilities or entertainment. You then allocate a predetermined amount of cash into each envelope at the beginning of the month, helping to curb overspending.

You can also explore digital alternatives to traditional envelope budgeting with a simple tool like Ally Bank's spending buckets, which is a lot like envelope budgeting. You can still allot your funds into different categories without the need for multiple accounts (or physical envelopes of cash). Create up to 30 different buckets within one Ally Bank Spending Account.

Simple vs. detailed approach

The 50/30/20 and line item budgeting methods are two distinct ways of managing your finances, each offering unique advantages and flexibility.

The 50/30/20 method, often hailed as an easy-to-follow system, divides your income into three broad categories: needs, wants and savings/debt. This approach allocates 50% of your income to covering necessities like rent or mortgage, utilities, groceries and transportation. The next 30% is reserved for personal spending, allowing you the freedom to indulge in non-essential items like entertainment and hobbies. The remaining 20% is dedicated to savings and debt repayment. This method provides a simple framework for maintaining a balanced financial life while emphasizing the importance of saving. Ally Bank Saving's Account also has a saving's bucket feature to help you organize and separate your saving's goals.
Read more: Use buckets to organize your savings in an Ally Bank Savings Account
If the 50/30/20 method isn't detailed enough for you, a line item budget may be the way to go. This system allows you to create a comprehensive list of all your income sources and expenses, breaking them down into individual line items. Each expense is accounted for separately and offers a clear picture of where your money is going.

Achieving financial balance

Zero-sum budgeting is a purpose-driven financial approach that ensures every dollar of your income has a designated purpose. This method allows you to distribute your earnings to various categories or expenses, leaving no surplus funds unassigned. The primary objective is to make sure that your total income minus your total expenses equals zero, creating a balanced budget.

To implement zero-sum budgeting , establish spending limits for each category to help you control your expenditures and avoid overspending. If you find yourself with leftover money at the end of the month, make sure to allocate it intentionally. Consider options like adding to your emergency fund, your vacation fund, paying toward your debt or rolling it over into the following month's budget for future expenses.

There's no one-size-fits-all approach when it comes to your budgeting style. They're tailored to your individual financial objectives and personal preferences. Your goals and inclinations will play a significant role in shaping your budgeting style, ensuring it aligns perfectly with your path to financial success.

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What's Your Budgeting Style? Take the Quiz | Ally

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There are multiple budgeting methods, but which one fits your style and goals? Take our budgeting style quiz to steer you towards the right budgeting path.

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By Adam Shalvey

How confident are you with banking terminology? Understanding the language that your bank uses can help you make smarter decisions with your money.

This quiz will help you test what you already know. Once you finish, learn more at " Banking Terms Everyone Should Know."

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How confident are you with banking terminology? Understanding the language that your bank uses can help you make smarter decisions with your money and budgeting.

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