Welcome to our Budgeting resources section!

This area is designed to support adult learners who want to take control of their finances and make informed money decisions.

Whether you're new to budgeting or looking to improve your financial planning, our easy-to-use materials will help you understand how to manage income, track spending, and save for the future.

With clear explanations, practical tools, and real-life examples, you'll build the skills and confidence to create a budget that works for you.

If there are any specific resources you would like to see, please let us know using the contact form.

We’ll be adding and refreshing resources on a regular basis, so check back often to see what’s new.

Resource downloads

Budgeting and Money Saving Tips
PDF, 4.3 MB
This document offers a guide to budgeting and money-saving strategies, including practical tips, prompts for behaviour change, and fill-in budget sheets to help individuals track their income and expenses.
Credit Card Factsheet
PDF, 767.6 kB
This factsheet provides a clear introduction to how credit cards work, explaining key terms, types of cards, benefits and risks, tips for using them responsibly, and what to look for when choosing a card.
UK Bank Accounts - A Simple Guide
PDF, 764.8 kB
This simple guide explains the main types of UK current and savings accounts, outlining their key features, benefits, and who each option is most suitable for.

Useful websites

Work out your budget - Citizens Advice
Practical advice on personal budgeting, using tools like the MoneyHelper budget planner to build a clearer financial picture.
Shetland Islands Citizens Advice Bureau | Free, impartial and confidential advice
Free, impartial and confidential advice to help people with everyday challenges, e.g. benefits, debt management, consumer rights, employment and legal issues.

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