{"id":285,"date":"2022-10-20T15:51:00","date_gmt":"2022-10-20T15:51:00","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=285"},"modified":"2024-09-13T15:18:16","modified_gmt":"2024-09-13T15:18:16","slug":"how-to-budget","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-budget","title":{"rendered":"Budgeting 101: How To Budget Money"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>IN THIS GUIDE<\/strong><\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"#howtobudgetmoney\">How to budget money<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#Budgeting-and-savings-priorities\">Budgeting and savings priorities<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<p class=\"\">If your take-home pay is, say, $6,000 a month, it may be hard to pay for housing, food, insurance, health care, debt repayment and have fun without running out of money. That\u2019s a lot to cover with a limited amount, and this is a zero-sum game. <\/p>\n\n\n\n<p class=\"\">The answer is to make a budget.<\/p>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/what-is-a-budget\">What is a budget?<\/a> A budget is a plan for every dollar you have. It\u2019s not magic, but it represents more financial freedom and a life with much less stress. Here\u2019s how to set up and then manage your budget.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-how-to c-block-how-to\" id=\"howtobudgetmoney\" itemscope itemtype=\"https:\/\/schema.org\/HowTo\"><p class=\"hidden\" hidden itemprop=\"name\">Budgeting 101: How To Budget Money<\/p><h2 id=\"how-to-budget-money\"  class=\"c-block-how-to__jump-links--title\">HOW TO BUDGET MONEY<\/h2><div class=\"c-block-how-to__jump-links close\"><ul class=\"c-block-how-to__jump-links--list\"><li class=\"c-block-how-to__jump-links--item active\"><a class=\"js-scroll-to\" href=\"#calculate-your-incomings-and-outgoings\">Calculate your incomings and outgoings<\/a><\/li><li class=\"c-block-how-to__jump-links--item \"><a class=\"js-scroll-to\" href=\"#choose-a-budgeting-plan\">Choose a budgeting plan<\/a><\/li><li class=\"c-block-how-to__jump-links--item \"><a class=\"js-scroll-to\" href=\"#track-your-progress\">Track your progress<\/a><\/li><li class=\"c-block-how-to__jump-links--item \"><a class=\"js-scroll-to\" href=\"#automate-your-savings\">Automate your savings<\/a><\/li><li class=\"c-block-how-to__jump-links--item \"><a class=\"js-scroll-to\" href=\"#practise-budget-management\">Practise budget management<\/a><\/li><\/ul><\/div>\n<div class=\"wp-block-nerdwallet-blocks-how-to-item c-block-how-to-item\" itemprop=\"step\" itemscope itemtype=\"https:\/\/schema.org\/HowToStep\"><link itemprop=\"url\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/budgeting-101-how-to-budget-money#calculate-your-incomings-and-outgoings\" \/><h3 itemprop=\"name\" id=\"calculate-your-incomings-and-outgoings\" class=\"c-block-how-to-item__title\">Calculate your incomings and outgoings<\/h3><div itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/HowToDirection\"><div itemprop=\"text\">\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"\">First, figure out your after-tax income. This is the amount you earn after all necessary taxes are taken out. If you get a regular pay slip, the amount you receive is probably your after-tax income. But, if you have automatic deductions for a superannuation fund, <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-save-money\">savings<\/a> account or insurance, add those back in to give yourself a true picture of what\u2019s coming in each month.\u00a0<\/p>\n\n\n<p class=\"\">If you have other types of income \u2014 perhaps you <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-make-money\">make money from a side gig<\/a> \u2014 subtract anything that reduces it, such as taxes and business expenses, and then add the remainder to your after-tax income total.<\/p>\n\n\n<p class=\"\">In addition, familiarise yourself with your cash flow so you know how much you need coming in each month to cover your outgoings. Here\u2019s how to get started.<\/p>\n\n\n<ul class=\"\">\n\n<li class=\"\"><strong>Check your account statements. <\/strong>This will give you an idea of how much money you have coming in and out of various accounts.<\/li>\n\n\n<li class=\"\"><strong>Categorise your expenses.<\/strong> Categories could include rent, <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/what-is-a-utility-bill\">utilities<\/a> and food, or <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/discretionary-spending\">discretionary spending<\/a> on entertainment, beauty and so on. Knowing where your money goes will help you choose the best budgeting plan for your needs.<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-how-to-item c-block-how-to-item\" itemprop=\"step\" itemscope itemtype=\"https:\/\/schema.org\/HowToStep\"><link itemprop=\"url\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/budgeting-101-how-to-budget-money#choose-a-budgeting-plan\" \/><h3 itemprop=\"name\" id=\"choose-a-budgeting-plan\" class=\"c-block-how-to-item__title\">Choose a budgeting plan<\/h3><div itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/HowToDirection\"><div itemprop=\"text\">\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"\">A budget must cover all of your needs, some of your wants and \u2014 this is key \u2014 savings for emergencies and the future.&nbsp;<\/p>\n\n\n<p class=\"\">Budgeting plan examples include:&nbsp;<\/p>\n\n\n<ul class=\"\">\n\n<li class=\"\"><strong>The <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/50-30-20-budget\"><strong>50\/30\/20 budget<\/strong><\/a><strong>, <\/strong>which divides your income into needs (50%), wants (30%) and savings or debt repayment (20%).<\/li>\n\n\n<li class=\"\"><strong>The zero-based budget<\/strong>, where you allocate all of your money to expenses, savings and debt payments, so there is nothing left over at the end of the month \u2014 all of the incoming money is allocated for specific expenditures.<\/li>\n\n\n<li class=\"\"><strong>The <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/pay-yourself-first-reverse-budgeting\"><strong>\u2018pay yourself first\u2019 method<\/strong><\/a><strong>, <\/strong>or reverse budgeting, where some of your income immediately goes towards savings, retirement and other <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/financial-goals-definition-and-examples\">financial goals<\/a>. Then,&nbsp; you use whatever funds remain for living expenses.&nbsp;<\/li>\n\n\n<li class=\"\"><strong>The envelope system<\/strong>, where you use cash and envelopes to plan your spending each month \u2014 each envelope is marked with a spending category, and then filled with the cash budgeted for that expense. The goal is to stick to the amount in each envelope.&nbsp;<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-how-to-item c-block-how-to-item\" itemprop=\"step\" itemscope itemtype=\"https:\/\/schema.org\/HowToStep\"><link itemprop=\"url\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/budgeting-101-how-to-budget-money#track-your-progress\" \/><h3 itemprop=\"name\" id=\"track-your-progress\" class=\"c-block-how-to-item__title\">Track your progress<\/h3><div itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/HowToDirection\"><div itemprop=\"text\">\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"\">Record your spending and keep your <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/tracking-monthly-expenses\">tracking<\/a> consistent. Monthly is a good start.\u00a0<\/p>\n\n\n<p class=\"\">Use online budgeting and savings tools \u2014&nbsp;such as apps like PocketSmith or Frollo \u2014&nbsp;to help keep up with your tracking.&nbsp;<\/p>\n\n<\/div>\n\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-how-to-item c-block-how-to-item\" itemprop=\"step\" itemscope itemtype=\"https:\/\/schema.org\/HowToStep\"><link itemprop=\"url\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/budgeting-101-how-to-budget-money#automate-your-savings\" \/><h3 itemprop=\"name\" id=\"automate-your-savings\" class=\"c-block-how-to-item__title\">Automate your savings<\/h3><div itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/HowToDirection\"><div itemprop=\"text\">\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"\">An easy way to automate your savings is to set up <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/direct-debit-credit-card-payments\">direct debits<\/a> from your everyday account to your savings account in regular intervals, like every payday. You might consider opening multiple savings accounts for specific purposes \u2014 like saving up for a holiday or big expense \u2014 and allocate money accordingly.&nbsp;<\/p>\n\n\n<p class=\"\">An accountability partner or online support group can help, too, like <a href=\"https:\/\/www.reddit.com\/r\/AusFinance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">r\/AusFinance<\/a> on Reddit, so you can stay on track.<\/p>\n\n<\/div>\n\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-how-to-item c-block-how-to-item\" itemprop=\"step\" itemscope itemtype=\"https:\/\/schema.org\/HowToStep\"><link itemprop=\"url\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/budgeting-101-how-to-budget-money#practise-budget-management\" \/><h3 itemprop=\"name\" id=\"practise-budget-management\" class=\"c-block-how-to-item__title\">Practise budget management<\/h3><div itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/HowToDirection\"><div itemprop=\"text\">\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"\">Your income, expenses and priorities will change over time, so <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/money-management-skills\">actively manage your money<\/a> by revisiting your budget regularly, perhaps once a quarter.<\/p>\n\n\n<p class=\"\">As you manage your budget, try to identify room for change by asking yourself:<\/p>\n\n\n<ul class=\"\">\n\n<li class=\"\"><strong>Where are you spending too much money?<\/strong> Can you explore cheaper alternatives for the things you pay for now?&nbsp;<\/li>\n\n\n<li class=\"\"><strong>Which expenses can you cut back on?<\/strong> For example, reduce the amount you spend on takeaway and food delivery, or rideshare services.<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Budgeting-and-savings-priorities\">Budgeting and savings priorities<\/h2>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"jump-to\"  class=\"c-block-table-of-contents__title\">Jump to<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-1-is-a-starter-emergency-fund\">Priority No. 1 is a starter emergency fund<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-2-is-high-interest-debt\">Priority No. 2 is high-interest debt<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-3-saving-for-retirement\">Priority No. 3 saving for retirement<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-4-is-again-your-emergency-fund\">Priority No. 4 is, again, your emergency fund<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-5-is-debt-repayment\">Priority No. 5 is debt repayment<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#priority-no-6-is-you\">Priority No. 6 is you<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h3 id=\"priority-no-1-is-a-starter-emergency-fund\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 1 is a starter emergency fund<\/h3>\n\n\n\n<p class=\"\">Experts may recommend you build up several months of bare-bones living expenses. However, we suggest you start with an <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/emergency-fund\">emergency fund<\/a> of at least $500 \u2014 enough to cover small emergencies and repairs \u2014 and build from there.<\/p>\n\n\n\n<p class=\"\">It\u2019s hard to stick to a budget or get out of debt when you have unexpected costs that keep eating away at your savings. Having a financial cushion can help you stay on track.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/save-money-on-a-tight-budget\">How to save money on a tight budget<\/a><\/p>\n\n\n\n<h3 id=\"priority-no-2-is-high-interest-debt\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 2 is high-interest debt<\/h3>\n\n\n\n<p class=\"\">Next, go after the <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/good-debt-vs-bad-debt\">high-interest debt<\/a> in your life, such as <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/credit-card-debt\">credit card debt<\/a>, personal and payday loans, title loans and rent-to-own payments.&nbsp;<\/p>\n\n\n\n<p class=\"\">Investigate options for debt relief, which can include <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/debt-consolidation-what-it-is\">debt consolidation<\/a>, financial hardship or a <a href=\"https:\/\/www.afsa.gov.au\/i-cant-pay-my-debts\/debt-agreement\/what-debt-agreement\">debt agreement<\/a> \u2014&nbsp;these agreements allow you to negotiate a more manageable repayment plan with your creditor, such as lower rates or more time to pay it off.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/debt-collector-what-to-do\">How to manage debt collectors<\/a><\/p>\n\n\n\n<h3 id=\"priority-no-3-saving-for-retirement\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 3 saving for retirement<\/h3>\n\n\n\n<p class=\"\">Once you\u2019ve knocked off any high-interest debt, the next task is to get yourself on track for retirement. The amount you should save depends on various factors like your age, when you plan to retire, whether you have a partner and your lifestyle expenses.&nbsp;<\/p>\n\n\n\n<p class=\"\">Use the <a href=\"https:\/\/moneysmart.gov.au\/retirement-income\/retirement-planner\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Moneysmart retirement planner<\/a> to get a rough estimate of how much you can earn based on your super fund contributions.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/superannuation-benefits\">9 superannuation benefits to know<\/a><\/p>\n\n\n\n<h3 id=\"priority-no-4-is-again-your-emergency-fund\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 4 is, again, your emergency fund<\/h3>\n\n\n\n<p class=\"\">Regular contributions can help you build up three to six months\u2019 worth of living expenses. You shouldn\u2019t expect steady progress because emergencies happen, but at least you\u2019ll be able to manage them.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/emergency-credit-card\">Is a credit card ever the right choice for an emergency?<\/a>&nbsp;<\/p>\n\n\n\n<h3 id=\"priority-no-5-is-debt-repayment\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 5 is debt repayment<\/h3>\n\n\n\n<p class=\"\">These are payments beyond the minimum required to pay off your remaining debt.<\/p>\n\n\n\n<p class=\"\">If you\u2019ve already paid off your high-interest debt, what\u2019s left is probably lower-rate (such as your <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-mortgage-repayments-work\">home loan<\/a>). You should tackle these only after you\u2019ve gotten your other financial ducks in a row.<\/p>\n\n\n\n<p class=\"\">Any wiggle room you have here comes from the money available for wants or from saving on your necessities, not your emergency fund and retirement savings.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-negotiate-home-loan-interest-rate\">Can I negotiate my home loan interest rate?<\/a><\/p>\n\n\n\n<h3 id=\"priority-no-6-is-you\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Priority No. 6 is you<\/h3>\n\n\n\n<p class=\"\">Congratulations! You\u2019re in a great position. If you\u2019ve built an emergency fund, paid off high-interest debt and are socking away money toward a retirement nest egg, you\u2019ve built a habit of saving that gives you immense financial flexibility. Don\u2019t give up now.<\/p>\n\n\n\n<p class=\"\">If you\u2019ve reached this happy point, consider saving for irregular expenses that aren\u2019t emergencies, such as a <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-save-for-a-house-deposit\">house deposit<\/a> or your next car. Those expenses will come no matter what, and it\u2019s better to save for them than borrow.<\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 id=\"\"  class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 id=\"frequently-asked-questions-about-budgeting\"  class=\"c-block-accordion__title\">Frequently asked questions about budgeting<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\"><strong>How do you make a budget spreadsheet?<\/strong><\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Start by determining your take-home (after-tax or net income, then take a pulse on your current spending. Finally, apply the <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/50-30-20-budget\">50\/30\/20 budget<\/a> principles: 50% toward needs, 30% toward wants and 20% toward savings and debt repayment.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\"><strong>How do you keep a budget?<\/strong><br><\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">The key to keeping a budget is to track your spending on a regular basis so you can get an accurate picture of where your money is going and where you\u2019d like it to go instead.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><em>If you\u2019re in the United States, read <\/em><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/how-to-budget\" target=\"_blank\" rel=\"noreferrer noopener\"><em>this article<\/em><\/a><em> on the NerdWallet US site.<\/em><\/p>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 id=\"about-the-authors\"  class=\"nwb-authors__title\">\n\t\t\tAbout the Authors\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/katia-iervasi\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/katia-100x100.jpeg\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Katia Iervasi photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/katia-iervasi\">\n\t\t\t\t\t\t<strong>Katia Iervasi<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Katia Iervasi is an assistant assigning editor and spokesperson at NerdWallet US. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/katia-iervasi\" title=\"Read more about Katia Iervasi\">\n\t\t\t\t\t\t\t<span>Read more about Katia Iervasi and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=75&#038;d=mm&#038;r=g\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Georgia Rose photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<strong>Georgia Rose<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" title=\"Read more about Georgia Rose\">\n\t\t\t\t\t\t\t<span>Read more about Georgia Rose and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-7980\" class=\"c-block-card post-7980 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-score cluster-credit-score-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/get-free-credit-report\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/06\/How-to-Get-Your-Free-Credit-Report-e1719433691843-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How To Get Your Free Credit Report\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"how-to-get-your-free-credit-report\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/get-free-credit-report\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow To Get Your Free Credit Report\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Australia\u2019s three major credit reporting agencies must give you free access to your credit report every three months.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-7980 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2024\" class=\"c-block-card post-2024 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-score cluster-credit-score-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-credit\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/01\/what-is-credit-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is Credit and Why Do You Need It?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-is-credit-and-why-do-you-need-it\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-credit\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is Credit and Why Do You Need It?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Credit is defined as the ability to borrow money to pay back later. A good credit history can offer you more financial flexibility.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/katia-iervasi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/katia-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2024 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2390\" class=\"c-block-card post-2390 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-managing-debt cluster-financial-counselling-and-conunsellors\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/financial-counselling\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/03\/What-is-financial-counselling-e1723150743361-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Financial Counselling: What It Is And How It Can Help\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"financial-counselling-what-it-is-and-how-it-can-help\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/financial-counselling\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tFinancial Counselling: What It Is And How It Can Help\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Financial counselling can help improve your relationship with money by helping you understand how it is influenced by social, psychological, familial, economic, and emotional forces.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2390 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2012\" class=\"c-block-card post-2012 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-managing-debt cluster-debt-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/debt-impact-financial-health\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/01\/what-is-debt-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Dealing With Debt And Its Impact On Your Financial Health\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"dealing-with-debt-and-its-impact-on-your-financial-health\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/debt-impact-financial-health\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tDealing With Debt And Its Impact On Your Financial Health\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>You know what debt is, but you might not realise its true cost. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2012 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Give all of your pennies a purpose by creating a budgeting plan that accounts for needs, wants, savings and more. <\/p>\n","protected":false},"author":33,"featured_media":286,"parent":124,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[8],"topic":[302],"cluster":[400],"pp_author":[88,225],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budgeting 101: How To Budget Money - NerdWallet Australia<\/title>\n<meta name=\"description\" content=\"Learn how to budget to give all of your pennies a purpose. Create a budgeting plan that accounts for needs, wants, savings and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-budget\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budgeting 101: How To Budget Money - NerdWallet Australia\" \/>\n<meta property=\"og:description\" content=\"Learn how to budget to give all of your pennies a purpose. 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