People looking to avoid bank charges may want to consider making a record of everything they spend, as an expert has said this is a good method of budgeting.Ed Bowsher, head of consumer finance at everyday money site lovemoney.com, was responding to being asked how people can make their money last until the next pay packet.He said: "Careful budgeting is the best way to make your money last longer. Keep a record of everything you spend for at least a week, right down to a Mars bar or an apple."Hopefully, you'll then spot some opportunities for spending cuts. Then set a budget for the future and stick to it ruthlessly."Mr Bowsher's comments follow research released by the Finance & Leasing Association, which showed that consumers cautious about taking on credit.Findings showed that the number of new business taking on credit fell by seven per cent in March 2011 compared with March 2010.John FieldmanHaving worked in the city for 19 years, John's main focus is interest rates and corporate finance.
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