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Budgeting money when you have an intellectual disability
  1. Blogs
  2. Helpful Information
  3. Budgeting money when you have an intellectual disability


Tara, the founder of Me Plus More, mum of 3 young boys and 2 fish. Plus, I have enough plants to fill a small forest! I also have a bachelor’s degree in applied science and a master’s degree in international public health.
Published: Aug 3, 2022

Budgeting money when you have an intellectual disability

Living on a budget can be hard whether you have an intellectual disability or not.
Here are some of our top tips for budgeting your money.
Making a budget plan is really important, it shows you if you are over spending.
There are lots of different ways to keep a budget plan but here are some steps you can follow.
1. Work out how much money you have coming in each month.

This includes money:

  • You earn from your job
  • Benefits
  • Other sources

This is called your income.

2. Now work out how much you spend each month, these are your expenses.

  1. Make sure you include costs that change weekly such as:
  • Food
  • Transportation
  • Outing costs
  1. Include fixed costs such as:
  •  Rent
  • Utility bills
Once you have worked out your income and expenses you should compare these numbers.
Your expenses should be less than your income.

If you need help creating a budget plan you can talk to:

  • A financial planner
  • A support worker

Or you could join Me Plus More’s independent learning skills stream of learning.

It is important that you track your expenses, you could:

  • Use an expense tracking app
  • Use a spreadsheet
  • Write it down in a journal

Here are some ways to save money:

  • Deposit money into a savings bank account each month
  • Use a budgeting app that shows you how to put money aside to save

You can save money on other expenses by:

  • Comparing the costs of things like groceries
  • Avoid buying things on credit as there can be high fees

Saving money is great!

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