12 Answers

I have a family of six and would like to know any apps or programs to help me budget I am tired of being so bad with money. My 2021 goal is to get on top of all my bills and be more responsible.

Posted anonymously, 28th January 2021

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  • If you’re so undisciplined, an app won’t work. Maybe ley someone else look after your money?

  • I made up a spread sheet that shows me how much we have per fortnight to spend on us, after bills and groceries have been paid for. Any money left over at the end of the fortnight gets put aside

  • I have a budget book and headings so I write home much I.want to spend a fortnight then do subtotal as I go ie $500 for food and houses clean g items etc….then when am getting close know to slow down. I write what we get in for the fortnight money wise then.at the end what we spent so I have an idea of where we are at with money. We live on one wage so need to do this. It’s what two incomes I wouldn’t be so.strict. Am jealous of families on two wages.

  • Definitely write a weekly budget and meal plan! I have a weekly budget just in my notes in my phone, nothing fancy and it works for us. It’s easy to adjust when some weeks have more expenses than others

  • Menu planning while choosing cheaper cuts of meat, going vegetarian for one or two meals a week. Stick to a budget with your grocery shopping, buy things like rice in bulk

  • Turn off any appliance on standby – eg tv, dvd etc at the wall. Use cheaper cleaners eg chemico, jiff etc. Use supermarket brands. Try to grow some veges – either in a garden or pot. Give yourself challenges to make it fun. Sorry not these are apps!
    Track your money for a week use an app or bank app.

  • Word of mouth recommendations can also at times be helpful. Bookstores might have some good books or links to programs.

  • We found the Barefoot Investor book worthwhile and online the Money Smart Gov site.

  • I follow mums who budget and save on Facebook and get so many great tips from there. Good luck

  • I have a pensioner friend who has three big Glass Jars with lids she puts all her $1 coins in one, $2 coins in the other and $5 Notes in the other. She never touches these until December 1. She has fed and bought all her Christmas presents and bought herself something nice with this money. She only eats a sandwich and a apple for lunch, has done for 90 years now. She said that saves her a lot of money and pounds off her hips!

  • Meal planning . Avoid unnecessary expenses. Buy 2nd hand and sell unwanted items

  • Talk to your bank – they probably have some apps and general advice which might be a good starting point.

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