How to start a budget

The first thing I do each month is to write down all the bills that are due that month.

Step 1: Write down all income coming in. This includes all salary, centrelink payments (for those that are in Australia). You can also include child support payments if you like. (I don’t have to worry about this).

Step 2: Write down all bills and debts that need to be paid for that week/fornight until next pay day.

Step 3: Subtract the income from the bills

Step 4: I use the leftover money from bills to buy fuel and food for my family. This includes nappies and wipes with the food shopping.

Step 5. Any money leftover I put into a online savings account.

These are the steps I take so my family’s bills are paid and food on our table each week.

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