I am 24 and I’ve never had a budget — here’s where I started

If you’re overwhelmed by the thought of reviewing your finances and making a budget, Nicole Glennon can empathise. Here she offers her seven step guide to building a budget, inspired by the help of a financial advisor and her shiny-new financial planner.

Budget Picture: Nataliya Vaitkevich

I am 24, and I’ve never had a budget. Please don’t tell my dad.

It’s not his fault, I grew up in a very money-conscious family. I considered myself “good with money” for most of my life. While my brothers would rush to spend every cent of the tenner an aunt or uncle squeezed into our hands, I would squirrel mine away — a point of pride for my parents.