The 50-20-30 ratio and how to make it work!

Here's a way to give your finances a bit of an overhaul, it's always tricky keeping tabs on just where your money goes, when you are so busy trying to juggle work and family!

All those after school nibbles or a quick coffee on the way to work! If you can manage the 50-20-30 ration, then you're doing a great job!