• Safety first

• Use your card safely
• Fraudulent emails and websites
• Online safety for children

• Budgeting

• Budget calculator

• Managing credit

• What is credit?
• Getting credit
• Using credit sensibly
• Credit IQ quiz

• Getting financial help

• Financial terms explained

Budget calculator

This simple calculator can help you to understand your spending patterns and adjust your expenses.

You should use your card and bank statements to find out exactly how much you have spent, when, where and on what.

Once you’ve calculated your budget, save or print the result.

Repeat the exercise every month, you see what you have actually spent and saved. You can then adjust your spending or reconsider your priorities to find a more realistic budget.

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