Anyone can benefit from a good budget - even millionaires' budget! That being said, they're especially useful for people who have complicated or inconsistent outgoings, find themselves living month to month on their wages, or tend to lose track of how much they're spending.

As much as half of all UK adults with a debt problem also live with poor mental health, ranging from consistent anxiety and low mood to a diagnosed mental health condition.

A successful budget is a realistic budget. While it’s easy to take an educated guess about your regular incomings and outgoings, this can lead to mistakes and you could end up with a budget that isn’t fit for purpose and leaves you out of pocket when you need it most!