Slow Hands Niall Horan Download 'Slow Hands' on iTunes
Budgeting your dollar is tough - we TOTALLY sympathise! Which is why we're letting you in on a sneaky trick...
If you're like us, then the last few days of every month are spent furiously sticking your hand down the back of every sofa in the house trying to dig out any spare coppers that may have got lost in it's murky depths...
Yes. money is one of those illusive concepts.
No sooner do we get our monthly pay check safety in the bank, than it seems we're chasing our tails again, trying to scrap together enough to get through the last few days of the month.
Don't worry, you're not alone!
But what if we could let you in on a little secret that will help you manage your money better FOREVER more?
We're not always the best and figuring out what we ought to be spending our hard earned cash on.
However, this handy trick allows you to separate your needs from your wants and budget accordingly. It's savvy AND simple.
Your needs can cover any number of things, from your mortgage or rent, to your petrol costs, to bog roll.
This is arguably the hard part - after all, who wants to squirrel away 20% of their monthly earnings.
But if you've got the self-restraint to put away a portion of your money each month then you will reap the benefits when you get older.
Ahh the best bit! After 70% of your earnings are taken care of, you've still got a joyous 30% to splurge on Number One! (That's you by the way).
So what are you waiting for? Get that memory foam mattress you've always dreamed of. Hire that personal shopper and turn Topshop upside-down! Go on that long-weekend to that gorgeous spa in Norfolk - you deserve it!
So there you have it, easy as pie right?
Now go forth and end those sleepless nights fretting over where you're going to find the money for that looming gas bill.
Just think of yourself as financial Buddha from now on. Ommmm.