How can I stick within my monthly budget during debt review?

Sticking to your budget during debt review is crucial for success. Tips include:

• Track all expenses using a budget app or spreadsheet

• Set up a separate account for PDA payments so you're not tempted

• Plan meals weekly to reduce food expenses

• Cancel unnecessary subscriptions and memberships

• Avoid any new credit (you legally cannot access it anyway)

• Build a small emergency fund for unexpected expenses

• Communicate with your debt counsellor if your circumstances change

Your debt counsellor can help you develop a realistic budget and provide guidance on managing expenses during the debt review period.