+ Reply to Thread
Page 1 of 3 123 LastLast
Results 1 to 10 of 21
  1. #1
    Join Date
    Apr 2013
    Posts
    339
    Thanks
    685
    Thanked
    199
    Reviews
    0

    Default How do you budget?

    Spreadsheet? App? Writing it down?

    I've started using an app called Home Budget and it looks good but I've only just started so don't know if it's the best way.

    Also, do you budget every little thing like saving for Xmas, holidays, etc, or just what your regular bills and expenses are?

  2. #2
    Join Date
    Jun 2012
    Posts
    185
    Thanks
    67
    Thanked
    53
    Reviews
    0
    I don't have my printer set up and I wanted a hard copy so I just wrote mine up. I include everyday expenses (including car services and things that don't occur too often) but I don't factor in birthdays or Christmas.

  3. #3
    Join Date
    Sep 2008
    Posts
    4,247
    Thanks
    160
    Thanked
    311
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    im going to try that budget on the ASIC site...we are dreadful budgeters...appalling...embarassingly bad..beyond a joke really...mmmmm but i would say i need to look at everything initially.

  4. #4
    Join Date
    Apr 2013
    Location
    Tarragindi
    Posts
    129
    Thanks
    150
    Thanked
    24
    Reviews
    0
    Following

    Sent from my GT-I9100T using The Bub Hub mobile app

  5. #5
    Join Date
    Jan 2011
    Location
    Adelaide
    Posts
    1,509
    Thanks
    396
    Thanked
    701
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    We did up a budget last night. There is everything on there from car maintenance / birthday & Christmas presents etc.

  6. #6
    Join Date
    Jan 2012
    Posts
    2,730
    Thanks
    1,522
    Thanked
    1,960
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Last year, I wrote down everything we spent (using excel). I had each row as a category, eg. 'food', 'toiletries', 'parties/gifts' etc., kept all receipts and noted everything down for the week as I went. I found this really useful for figuring out how much money went where.

    There are some good government resources available which might make it easier. Take a look at http://www.moneysmart.gov.au

  7. #7
    Join Date
    Feb 2014
    Location
    Perth WA
    Posts
    113
    Thanks
    112
    Thanked
    35
    Reviews
    0
    We use excel. Hubby made a kick a** template.

    It has just a few cells able to be changed and then formulas do all the work. Since we started using it we've saved about $35k - neither of us had ever had savings before in our lives.

    If you want a copy, let me know 😄

  8. The Following 4 Users Say Thank You to MrsJoey For This Useful Post:

    IvyRain  (16-04-2014),Joeee  (12-05-2014),KitiK  (24-04-2014),lisaandshaun  (16-04-2014)

  9. #8
    Join Date
    Apr 2013
    Location
    Some where over the Rainbow
    Posts
    344
    Thanks
    80
    Thanked
    200
    Reviews
    0
    I have a template in excel where I just need to change what's spent ie if electricity bill goes up I edit that column and it works out how much I need to change my weekly budget for it to & the rest do the same.

    I then have another sheet in the same where I have a running tally on the account for what's in the account for each bill & savings. I also have another sheet for a running tally on the credit card so I know how much I need to take out each month of which bills to pay credit card off.

    We have an offset account for our mortgage so all wages go into the account for the month and we use credit card then pay it off at the end of the month so we get all the points, save on interest for our mortgage and don't pay interest on our credit card.

  10. #9
    Join Date
    Feb 2009
    Location
    Syd
    Posts
    178
    Thanks
    97
    Thanked
    19
    Reviews
    0
    We need to budget were are terrible with spending

    Sent from my GT-I9505 using The Bub Hub mobile app

  11. #10
    Join Date
    Apr 2010
    Posts
    1,657
    Thanks
    602
    Thanked
    599
    Reviews
    3
    Achievements:Topaz Star - 500 posts
    Ohhh MrsJoey I'd love a copy. I tried making one a few months ago, failed miserably so gave up budgeting. Ha


 

Similar Threads

  1. Best Budget Recipes
    By MrsMiggins in forum Recipes & Lunchbox Ideas
    Replies: 157
    Last Post: 20-10-2015, 11:36
  2. Best way to budget?
    By AngelicHobgoblin in forum Family Finances
    Replies: 20
    Last Post: 02-01-2014, 21:39
  3. Budget App
    By sweetpeamummy in forum General Parenting Tips, Advice & Chat
    Replies: 3
    Last Post: 02-01-2014, 09:47

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
Babybee Prams
Save $50 in our pre-Christmas sale! All Comet's now only $500. Our bassinet & stroller set includes free shipping AUS wide, $75 free accessories, 18-months warranty & a 9 month free return policy. Check out our new designer range today!
sales & new stuffsee all
Pea Pods
Buy 2 Award Winning Pea Pods Reusable One Size Nappies for only $38 (in your choice of colours) and receive a FREE roll of Bamboo Liners. Don't miss out, we don't usually have discounts on the nappies, so grab this special offer!
Special Offer! Save $12
featured supporter
Shapland Swim Schools
Semi private learn to swim classes for a maximum of 3 children in specialized heated teaching pools. Our swim schools are located across Brisbane, Ipswich and the Sunshine Coast, ensuring there's a school near you.
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!