Optimising your budget can be life-changing and it is also an essential aspect of creating a cashflow plan that benefits your financial future. A budget does not need to be hard and fast rules which you must adhere too. Fintor prefers that people set “Goalposts” in respect of their spending, this ensures that we minimise stress & anxiety whilst increasing your ability and willingness to continue with said “goalposts” which in time will aid you in reaching your aspirations!