How did you do? If you’re in the positive, congrats! You have money to set aside for savings.īut don’t worry if you’ve overspent. Try the Money Finder for yourself and then come back and continue with this guide. It takes just a few minutes to complete, but you’ll start to see how your income and expenses stack up, and how much you might have left over. It compares your income and expenses and gives you a better sense of how much available money you have to put towards your savings. Or you might be able to save more if you get a pay rise or you pay off some debt.The Money Finder is a free budget calculator designed to help you create a spending plan for your household. Your budget needs to work for you and your lifestyle so it's important to adjust your budget as things change.įor example, if your expenses start to increase you may need to reduce your spending, or change your savings goal. Even a small amount set aside regularly will make a difference. Having some savings can create a safety net for unexpected expenses. Once you know how much money you have for 'wants', you can work out how much of it you'd like to save. If you have a savings goal you can use your budget to work towards it. Why not take control of your finances with this free downloadable monthly budget planner. This will help you to see where it goes and keep within your spending limit. Make a plan for what you want to do with your spending money. Your spending money is for 'wants', such as entertainment, eating out and hobbies. The money you have left after expenses is your spending and saving money. If you tracked your spending, use your list of transactions. Include what the expense is for, how much and when you pay it. 15, Family benefit payments, Fortnightly, 0. To make sure you've recorded all your expenses, look at your bills or bank statements. 3,, work out where your money is going, Monthly, Monthly, Monthly.
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