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Take control of your household budget for financial freedom.

Take control of your household budget for financial freedom.

Post: June 15, 2021

Household budget

A household budget will help you make sure you spend on what you really need, help you become debt-free and make you feel in control of your finances

The recent Government budget announcement has many looking at their own household budget. And let’s be honest we are all a little guilty of spending money on things we never intended to.

A bit here, a bit there might seem insignificant but often that spending leaves us with nothing left to help us get ahead financially.

A household budget will help you make sure you spend on what you really need, help you become debt-free and make you feel in control of your finances, says New Zealand-wide finance company Yes Finance.

Starting a household budget

For those that don’t have a household budget, it can seem quite daunting to start one. However, when you create a budget, you can start quite simple.

Begin by adding up how much money is coming into the household and how much is going out with your spending, then work out the difference. “We recommend downloading your past three months of transactions from your bank. From this, you will be able to see your spending patterns,” says Yes Finance director Peter Steel.

“Responsible budgeting has the goal of making as much of a surplus as possible, so you have money left in your account to save for your goals or pay off debt faster.”

Track how your household budget is doing

After setting a budget it’s essential to see if it is working for you and your lifestyle.

You’ll need to track your incoming and outgoing money to know if you are sticking to your budget.

You can track this with a traditional spending diary or use an online tool or app. It is a good idea to check this periodically just in case you need to modify your spending as needed to stay on track. “After all, a budget doesn’t mean anything unless you actually stick to it.”

Making household budget adjustments

A key thing to remember is that budgets need to be a bit flexible and have room to breathe! A tight budget is tougher to stick to so it’s essential to be realistic about how much you need.

Don’t forget to give yourself some room to have some fun. Coffee, dining out, clothing etc., we’ve all got purchases that make us feel good, which is vital for our mental health. It’s all about moderation.

You’re in control

A household budget helps us feel in control, instead of being confused at the end of every month as to where our money went.

An well implemented budget could be the difference between being debt-free versus going into overdraft between paydays.

Yes Finance work with all their customers to find the best finance plans that work in both the short and long term. Discover more at their website: at https://www.yesfinance.co.nz.

More from Yes Finance

Personal and Business Lending

Yes Finance specialises in personal loans, including cars, boats and holidays, and business loans for those looking to take the next step up in their business through expansion or upgrade.

Check out Yes Finance’s simple and easy to use online applications

Have a listen to Yes Finance director, Peter Steel, talking to Marcus Lush on Newstalk ZB talking about why Yes Finance is the first choice in finance company for New Zealand businesses:
https://www.facebook.com/YESFinance/posts/2084846968213044

About Yes Finance

Yes Finance can assist you with SME finance, personal finance, travel loans, boat loans, chattel finance, plant and equipment finance, business loans, loans for equipment and machinery and asset finance. But no matter what kind of finance you need, the team at Yes Finance can offer you a real solution.

Yes Finance have been in business for 20 years, making them one of the oldest privately owned finance companies in New Zealand.  They are an alternative to the rigid approach of the banks, providing customer focused solutions for commercial and personal finance. They are based in Auckland but operate throughout New Zealand.

FB-f-Logo__blue_29        Contact Yes! Finance

Hi Tracey, you have been an amazing person to deal with. Always looked after me since the very start of my dealings with Yes Finance. Never ever had an issue with your service. Over the ph, your tone was kind, your customer service is excellent (and I would know being a Govt. Dept. Customer Service Manager previously) You are knowledgeable n very informative and at the same time transparent which also shows you know what you're talking about, you give correct information & you are able to have those tough conversations with me ... and to be honest.. its always done with the kindest tone (thank u! :D) Everytime I ring I usually ask for you, becos its not always the same experience then when I'm dealing with you. The tone always sets the flow of the convo.
I hope u all the best in everything you doing. Bless you!

Emelda

Yes Finance Limited
2022-01-14T00:57:52+00:00

Emelda

You have been an amazing person to deal with, knowledgeable n very informative and at the same time transparent.
Thanks for sending through the paper work – I received it yesterday. I also wanted to thank you for the great customer service you provided, and also the Events Cinema card (awesome!). If only more companies offered such great service!

De Wet

Yes Finance Limited
2019-04-15T04:18:31+00:00

De Wet

Thanks for sending through the paper work – I received it yesterday. I also wanted to thank you for the great customer service you provided, and also the Events Cinema card (awesome!). If only more companies offered such great service!
I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.

Gail T

Yes Finance Limited
2021-07-15T23:27:39+00:00

Gail T

I am a customer of Yes Finance. I can't stress how absolutely grateful I am to Tracey who has been dealing with my account. I had recently gone through some really tough heartbreaking stuff lately and Tracey went way above and beyond any expectations I could imagine. Wether she realizes I or not I had actually come so close to giving up but she kept in constant contact and I just can't find the words that are meaningful enough to express how much her Customer Service meant to me during the hard times. I highly highly recommend Tracey for her superior service. It's nice to know we aren't just an account payer.
I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.

Zaliya M

Yes Finance Limited
2019-05-09T22:30:22+00:00

Zaliya M

I would give 100/100 to Yes Finance. Really helped me out. Fast and efficient. Thanks alot Ajeshni for your continuous help really appreciate your hard work and effort. Highly recommend others to use YES FINANCE.
They are amazing to deal with very Polite friendly helpful.
Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also

Christine J

Yes Finance Limited
2019-05-09T22:27:30+00:00

Christine J

They are amazing to deal with very Polite friendly helpful. Fully reccomend them to anyone looking for a loan of any sort. Extremely quick also
Thanks so much for all your kind assistance rendered since the beginning of this year. I think out of all the financials I’ve dealt with during my time of financial hardship, I can boldly say that Yes Finance has been the only finance company who has dealt with me as a person and not just someone to abuse to pay more.

Nunia

Yes Finance Limited
2019-04-15T04:17:33+00:00

Nunia

Thanks so much for all your kind assistance rendered since the beginning of this year. I think out of all the financials I’ve dealt with during my time of financial hardship, I can boldly say that Yes Finance has been the only finance company who has dealt with me as a person and not just someone to abuse to pay more.
Hi Kendall
Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!

Kind regards
Serah

Yes Finance Limited
2021-02-08T21:52:15+00:00

Kind regards
Serah

Hi Kendall Omg!! Thank you so much!! You are truely amazing and the 1st ever financial company who took the time to go thru thoroughly with all my financial situation and looked at full picture! Yes..i accept the quote provided and will send through documents needed! Thank you so much! God bless!
Awesome! Thanks again for being patient with me.
You made this process so easy for me and highly recommend your services!

Talia P

Yes Finance Limited
2019-10-16T21:21:49+00:00

Talia P

Awesome! Thanks again for being patient with me. You made this process so easy for me and highly recommend your services!
You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!

C Walsh - Hamilton

Yes Finance Limited
2019-04-15T04:16:19+00:00

C Walsh - Hamilton

You advertised a great deal on the radio and promised great service and I received all of the above. Your team are true professionals!
Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance

Shan M

Yes Finance Limited
2019-05-09T22:31:30+00:00

Shan M

Would definitely recommend these guys yes finance very good customer services well mannered and supportive only a couple of days and loan is approved like #BANG if it wasnt for yes finance I wouldn't of had a better xmas thank you Yes Finance
Awesome customer service - treated as a human being not a number

Diana C

Yes Finance Limited
2019-10-22T00:43:49+00:00

Diana C

Awesome customer service - treated as a human being not a number
Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!

Barbara P

Yes Finance Limited
2019-10-22T00:40:15+00:00

Barbara P

Painless process. Excellent service and very, very, quick turnaround from a query to approval. Thank you so much!
Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!!
You went above and beyond for me!!! I highly recommend yes finance.

Tina T

Yes Finance Limited
2019-05-09T22:25:38+00:00

Tina T

Awesome company amazing fast service. I’ll like to thank you so much Shweta Kashyap for your awesome service you helped me out so much and I can’t thank you enough!! You went above and beyond for me!!! I highly recommend yes finance.
I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!

Nikita H

Yes Finance Limited
2019-04-15T04:20:47+00:00

Nikita H

I would like to thank you for help with my loan application. My husband & I appreciate your hardwork and dedication towards sealing the deal on Monday despite the cut off time you still managed to pull it through!
I would like to thank you Toni for your support and understanding when my family had a change of circumstances hehehe well more than once.It has been fantastic service for the time that the car was on finance thank you again.

Kohu T

Yes Finance Limited
2019-04-15T03:50:32+00:00

Kohu T

I would like to thank you Toni for your support and understanding when my family had a change of circumstances hehehe well more than once.It has been fantastic service for the time that the car was on finance thank you again.
I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way

Shylo D

Yes Finance Limited
2019-05-09T22:29:05+00:00

Shylo D

I have been with Yes Finance for like 11 years and every time i need a car travel and extra Y/F has helped me 100%. I love being Y/F client. wouldn't have any other way
Just a short note to acknowledge receipt of payment, and to thank you for your top service.

Peter Smith

Yes Finance Limited
2019-04-15T02:43:39+00:00

Peter Smith

Just a short note to acknowledge receipt of payment, and to thank you for your top service.
Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊

Thanks, Jade M

Yes Finance Limited
2021-03-18T21:13:05+00:00

Thanks, Jade M

Janice is an awesome and understanding person and Yes Finance is lucky to have her as part of the team. When she has rung me in regards to my account she didn’t come across negative or made me feel like I have added stress to my life. She is always willing to help and come to a reasonable conclusion or an outcome that works for my situation and understands the things people go through in life. She is positive and am happy to have dealings with her in regards to my account 😊
AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it.

Karyn G

Yes Finance Limited
2019-04-15T04:19:31+00:00

Karyn G

AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it.
Just wanted to say thank you to yourself and please pass it on to Graeme and the rest of the team for helping us over the past few years – you have obviously been a great help for us and it has allowed us to get into a much better position.

Kris

Yes Finance Limited
2019-04-15T02:45:05+00:00

Kris

Just wanted to say thank you to yourself and please pass it on to Graeme and the rest of the team for helping us over the past few years – you have obviously been a great help for us and it has allowed us to get into a much better position.
Hi Anji
Thank you for the excellent service!!!

Timothy M

Yes Finance Limited
2019-10-17T20:51:24+00:00

Timothy M

Hi Anji Thank you for the excellent service!!!
Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless

Lesu

Yes Finance Limited
2019-12-02T23:12:01+00:00

Lesu

Please disregard my previous review, just wanted to say thank you to the Manukau branch manager and team for calling me back, had a talk, appreciate your help & honesty. Had problem with an account before now its all sorted, I really appreciated it 🙂 .He explained everything and apologies to me now I am happy with the outcome 🙂 . Building connection with customers is important to any company out there get to know them and understand their situations. . .Thank you to Yes and team esp their manager for your understanding and support. . . . God bless
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