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What is the 80/20 Budgeting Rule and How Does It Compare to Other Methods?

02nd October 2025

With the highest inflation in the G7, Britain needs to get serious about budgeting. Open banking and fintech apps help track our transactions and colour-code spending habits, but it is never perfect. All it takes is buying a lamp from Tesco and suddenly your grocery category is skewed – not to mention a “want” that could be marked as “need”. In the end, it is never as simple as they promise.

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WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

How much would you like to borrow:

£200
£750
How long would you like it for?
3 months
6 months

Your monthly repayments are:

1
£
2
£
3
£
4
£
5
£
6
£
Total amount to be repaid:
£  
Annual percentage rate:
  % APR

Representative Example: £300 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £540.35 in monthly instalments of £109.59, £107.60, £100.85, £86.95, £72.25 and £63.11. This is based on the amount of credit plus interest, no other fees apply. Representative 1265.8% APR


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