Follow the 50-30-20 spending rule and get your finances back on track this summer
The ongoing cost of living crisis has put a dampener on many plans and activities for households this summer as many people try to make the most of the temperamental Scottish weather and enjoy activities that are either free or very cheap.
50-30-20 budget method To help people get their finances back on track this summer without compromising on the fun, Katy Simpson, personal finance expert at Virgin Money, explains the 50-30-20 budgeting method that is currently trending on TikTok. “Tackling those essentials enables people to have a better idea of how much money they have spare for saving and non-essential spending.”
30% fun - social activities, nonessential shopping, treats Katy explained: “Knowing what to spend money on is likely no issue but knowing which social activities to prioritise to help make money go further can be tricky. Try to get into the habit of being open about your finances with friends and family. Set boundaries, know when to say no and don’t feel bad for doing so.”
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