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Your budget helps you achieve your financial goals. Don’t think of it as something only broke people need. Every smart person needs a budget. Here are some materials to get you started:

1. What is a budget?
2. How to create a budget
3. How to stick to your budget
4. Best budgeting apps

An emergency fund is money you set aside to cover unexpected financial shocks like a job loss, large medical bills and major car or home repairs. The links below should get you set up:

1. What is an emergency fund?
2. Why should I build an emergency fund?
3. How much should I have in my emergency fund?
4. Where should I keep my emergency fund?

Short-term goals are goals you can complete in five years or less. For example, you could be saving towards a vacation abroad, your wedding or even a house deposit. Here are some of the best ways to save money for your short-term goals.

1. Want to save a little every month? Use a regular saver account
2. Want to store your money away for a fixed period, say 3 months - 5 years? Have a look at notice accounts and fixed rate bonds
3. With a normal savings account, you'll probably never pay taxes on your savings. However, if you'd rather completely remove the tax element, have a look at Cash ISAs
4. You'll enjoy saving if you automate it. You can either set up a standing order or use auto-saving apps

If you have money you don't plan to touch for 5+ years, the best thing to do with it is invest it. Investing can be a great way to grow your money and can offer you higher long-term returns than leaving your money in a savings or current account.

1. If you're an investing newbie, start here: Investing for Beginners
2. If you've been around for a bit and are looking for something specific, you might like Investing in Funds, Investing in Shares or Stocks and Shares ISA.
3. If you're looking for recommendations, here are our investment platform top picks.
4. If you would like to compare a large number of investment platforms in one go, have a look at Compare ISA Charges (Shares) and Compare ISA Charges (Funds)

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If you are a UK citizen, you might be able to claim benefits, tax credits and universal credit from the Government. Visit entitledto.co.uk to check your entitlement.

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