Learning to manage your money can seem like a very difficult task especially if you are on a low income and do not have a lot of money to start off with.  It is not how much money you earn that is important, it is how you spend it. 

Most importantly is to learn to live within your means, if the money going out is greater than the money coming in, you are going to run into problems.  There are a number of things you can do to change this.  You could increase your income or you could look at your bills and cut down on your expenditure. 

If you are in a situation where there does not seem to be enough money coming in to cover what is going out, then the very first thing you must do, is a budget plan.  A budget will help you to spend your money where it needs to be spent, so you stay on top of your bills.  It can be a real eye opener when you sit down and assess where your money is going.

Doing a budget will get you away from living pay packet to pay packet and will get you on the right track to providing for bills so that the money is there when the bills are due.  It can also help you to save towards that holiday that you have been dreaming of.

BillsManager.com, the easy to use free online tool will help you to budget and manage your bills. BillsManager will show you how much money you should set aside each week or month for your bills. Once your budget plan is set up, BillsManager will enable you to maintain your household budget which should only take 10 minutes a month.    BillsManager will automatically adjust your budget as required so you don’t have to remember to amend the amount if a bill is higher or lower than is stated in your budget plan.