Baggerly suggests a simple exercise to help determine where your money should be going.

Find tips on cheaper substitutes, wage negotiation, energy saving, debt.

Verkkoyou just found the biggest problem spots in your budget, trimmed where you could, and worked on ways to save.

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Verkkolearn how to cope with rising prices and protect your budget from inflation.

Now it’s time to adjust those budget line totals.

Also, find out how inflation.

Verkkolearn how to cope with rising prices by buying strategically, embracing substitution and locking in fixed rates on debt.

Verkkoknow your wants vs.

Make a list of your expenses.

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