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Bank charges: People 'don't have time to make a budget'

A number of consumers may experience bank charges because they do not have enough time to make a budget.

According to David Rodger, managing director of The Debt Advice Foundation, a provider of free and impartial debt advice, making a budget is the first thing people should do if a family is struggling financially.

He said: " “It sounds obvious, but all too often people struggle to find the time to create a budget plan, but it really is the first thing to do.

"Start by writing down what money you have coming in versus what you have going out and then think about what you have available to spend each week."

Mr Roger added that a budget can also help people to work out how they can pay for "big things", such as Christmas, birthdays and back to school items.

According to the Daily Telegraph, research by conducted last month found back to school kit would set parents back £200 per child.

Charles Baker

Charles is a reputed financial analyst with decades of experience under his belt.

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