Do you feel that being in debt is ruining your life? It doesn't have to - there are various strategies to help you turn your debt situation around and restore your financial health. But where to start?

Every household faces the same challenge: Your income must exceed your expenditure. That is what a budget does: it records what money comes in, and what money goes out.

The approach we use is simple to follow. We take you through a few exercises. Complete them carefully and within a month, you will have a working budget!