Budget planners - any recommendations?

[LillaLoves]

In a bid to keep my finances in check I am looking for a good budget planner, can anyone recommend one? I'm in a debt management plan and would like to try to save for my wedding too. I've found this one from Vanquis, but has anyone got any others they would recommend?

[Conniff]

Who are you in a dmp with ??

 

I wouldn't trust a company like Vanquis, they probably have spyware in their planner and are storing up all your data.

[LillaLoves]

PayPlan

[LillaLoves]

I've got my budget planned on there but obviously I can't change that each pay day to help with meal plans or to help me remember to save for my MOT for month x or my parking permit etc. Also the budget only covers my salary etc not my OH.

[sequenci]

http://www.nationaldebtline.co.uk/personal-budget-sheet/income.php

[LillaLoves]

Thank you

[Conniff]

I have just drawn up a monthly budget planner Lilla and put a link into my signature. If you would like to give that a go and tell me if there is anything extra to

what I have done that you would like in it, then just say. I will put the link here as well.

 

 

Monthly Budget Planner

Edited March 29, 2013 by Conniff

[LillaLoves]

Conniff! That is amazing! Thank you so much! I will try it out this weekend!

[citizenB]

lila, I am a little unhappy at the amount of links you are making to Vanquis. I am therefore unapproving those that carry links to that company

[Nick Pearson]

lila, I am a little unhappy at the amount of links you are making to Vanquis. I am therefore unapproving those that carry links to that company

 

Quite agree.

[LillaLoves]

Oh, I am so sorry! I've been looking on there site and found it interesting so wanted to share. Could you possibly suggest alternatives?

[sequenci]

We've already done so within this very thread. One from me and one from my good friend Coniff. The one I've posted up complies with the industry standard and should be universally accepted by creditors.

[LillaLoves]

Sorry I meant, just with general debt/credit score advice. I found both of your planners very helpful and have actually used Coniff's to sort out mine and O/H budget. Thank you

[sequenci]

We have a pretty good debt-related blog here on CAG (it's a tiny bit out of date in places, that'll get addressed over the next few months)

 

http://www.consumeractiongroup.co.uk/forum/blog.php?349911-debt-diaries

[LillaLoves]

Thank you, I hadn't seen the blog! It looks very helpful. Will keep my eye on it over the next few months.

[Conniff]

Vanquis attract customers by only telling half truths, "You can repair your credit score by having one of our cards", that's just half a truth, you can do the same with any extended credit agreement that you make payments on. If you never miss a payment, that helps your score, but it don't over-ride the ccj's or defaults that might also be their.

 

So you can see that their only motive is to attract customers who are finding it difficult to get a CC because of their score, and then whop on a huge interest rate. They have no interest in your credit score, just making extra money from those that can least afford it.

 

Those with nothing are easiest to get money out of.