This episode is for EVERYONE. It’s essential you prepare a Personal Budget each year. Instead of being confining, a Personal Budget should be liberating as you can spend guilt-free, knowing other money has been allocated to your expenses. Think of it as a spending plan rather than a budget. We'll show you how to prepare a budget, how to gain control of your personal finances, discover where your money goes, how to build better money habits and gain confidence in your spending habits. www.nh-a.co.nz