The ‘B’ Word

As the UK’s financial capability charity, we are passionate about engaging people with their finances, encouraging them to develop the skills, knowledge, attitudes and behaviours they need to manage their money well and improve their financial wellbeing as a result.

One absolutely core part of that is in getting to grips with Budgeting. (Did you think we meant another ‘B’ word??) Having a robust and well-considered, balanced budget, which you can use regularly, evaluate ongoing and adjust if needed, is a key step in improving the state of your personal finances. And a good budget involves being honest with yourself, looking at how much you have coming in, what you have going out and the things you dedicate your money to, as well as considering both positive and negative eventualities; what will you do if you get a rise or some unexpected income, what would you do if your salary was reduced or you lost your job?

It sounds like a lot of work, and something that’s easier to put off for another day, but usually the hardest part is simply getting started. Which means that for most of us, all we need is that prompt, and then something which makes it easier all round.

That’s where our online Budget Builder comes in. The Budget Builder is a free, easy-to-use, interactive tool, available on both desktop and mobile, which will help you create your own customised budget and then use it to keep track of your day-to-day spending. You can even use it to set up a simple system for organising your money using different bank accounts. You can create and save your budget on either desktop or mobile, and then revisit it across devices as often as you like so that it becomes an essential everyday part of your money management. The Budget Builder does all the calculations for you! Plus unlike other budgeting tools and apps, it comes with no ads, promotions or ‘recommendations’ of other products.

We believe that the time to start budgeting is always now, so whether you’re a first-timer or someone whose budgeting has lapsed, why not sign up to the Budget Builder today? You could even signpost it to your employees as part of your organisation’s wellbeing offering.

You can get started with the Budget Builder at: or by going to the App Store or Google Play and searching for ‘Budget Builder’.

If you’d like to find out more or have any questions, please don’t hesitate to get in touch with us on [email protected] or 0207 062 8933.