Budgeting for the winter

Guest post

Having children can be a seriously expensive hobby. If they aren’t in need of a new school uniform every six months, they’re damaging household items, demanding to be driven back and forth and eating everything in sight.

You love your children, so you don’t mind – but you do have to watch the pennies. Financial planning is a tricky business for just one person but when you’ve got to make your money stretch that bit more, and to cover people besides yourself, it assumes added importance.