Hey Mummies. I am after some tips for budgeting, we are a one income family and we are struggling with money at the moment. We live pay check to pay check. Thank you so much!


Posted by levismumma, 4th August 2015


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  • Hi. My husband and I work out all of our bills yearly. Eg car rego, insurance, electricity, internet etc. We then add it all together and divide it by 52 weeks, this is now how much you should put into a “bill account” every week and sometimes it will look high but don’t touch it because there will be times when you get bills that are that extra bit higher or they all come in at once. Leave extras out that are weekly eg, rent, groceries, fuel, any kids activities, tolls etc that can come directly out of your pay. Do up a spreadsheet and update it every 3 months. P.s shop at aldi if you don’t already, it’ll save you heaps on your grocery bill.



  • Write down every single money that is spent. You will be able to see where your wasting the money.



  • budget, even if you have to lay out a year’s calendar and write down when bills will be coming in, big expenses like anniverseries, weddings or birthdays etc. Work out when you can get an advance payment from c’link to help with big bills like rego.



  • We’re also a single income family and feel like it’s paycheck to paycheck too. It was stressing me out not know what our spending money was, so I did the bills account thing. I found a budgeting program I liked and budget for the fortnight. I’ve worked out what all our bills cost per fortnight by dividing monthly bills in 2, yearly bills by 12 etc and putting that all aside. The rest is food/petrol and odds n ends. The first few months we kept realising there were odd bills we forgot about so it made sense we were struggling as most months we had a sudden bill to pay… Such as our yearly ambulance cover, buying a new gas bottle, car Rego, Visa card fee, rates and more (I could go look them up now). Things like the gas bottle, I’ve now included in the bills account even though it’s like $5 a pay, we could no longer afford to forget about so many yearly bills. It’s definitely helped. We’re now working on trying to be more consist with food budgeting but work on one thing at a time



  • love the idea of the bills account as thats something that always gets us.



  • Write down all bills and expenses and then divide them by your pay period ie weekly or fortnightly. Then put the amount you have calculated for bills into a separate account each pay day. When the bill arrives, pay it out of this account and so at least you know they are covered. Next you need to start a small savings account, even if it is only $20 and build on this until you have an amount for something special. Don’t be tempted to touch this! It’s hard to pull yourself out of financial trouble but with a bit of discipline and starting small it is possible! Good Luck!



  • Also; keep an eye for freebies and vouchers.



  • I will be following as we will be on one income next year



  • love all these thanks ladies :)



  • One thing i can suggest is to do your shopping online although there is a delivery fee in some cases(but somedays there are free deliveries if you plan well ahead). It can help stop in impulse buys that happens to everyone. I find if i go into a supermarket i buy a lot of unneeded things on impulse and i have found i save at least $50 a week by having it delivered. I also google any of the gifts i buy fr the kids well in advance of needing it. Sometimes it is cheaper to buy online and have delived than it is to go into the shops and buying. By using google it can show me the same product sometimes saving heaps online or showing me which store has it on special so i can go put it on lay buy. I also find when paying bills like phone or electricty if you have any spare money over diffferent times of the year and you pay extra it come off the next bill. We have bills through some times of year which are heaps higher than others. So if you plan ahead it can reduce the pain when the big bills are due.



  • So many great ideas already, we have a long experience in living pay check to pay check.
    There are many ways to control expenditure: buy only the food ingredients you need, no frill stores like Aldi and NQR and the local Op Shops are great place to get bargain deals. Search online for more valuable items and you will find better price – sometimes you could save postage and handling fee too on Group Buy with eBay, keep watching, and good luck.
    We have all gone through that, keep asking for help and you will get your answers.



  • One thing I love to do when the budget gets tough is break down how much each bill will cost per fortnight and pay that amount off the bill – even if I haven’t received it yet. That way when it does come in it’s only a few dollars different. Also, by paying all the bills, my money is my own.
    I also plan my meals and buy those ingredients, rather than lots of random individual ingredients which may get wasted. When you have groceries delivered you can add things in and take them out to suit budget, without embarrassment at the counter.



  • Planning all expenses and also writing down every purchase does help with a budget. It is a good way to track expenses and to see where the money is going.



  • following, good question. thanks hanny!



  • i think this is so tough and im glad we are not in this situation at present. i do put money away every fortnight for bills so i never suffer at the quarterly bill stage.
    I buy my meat at the butchers and vegies at the markets as its way cheaper. i cook in bulk when i make big meals and freeze these for lunches,i stock up on specials and never frown at home brand goods. i get free bread and rolls at a playgroup i go to and use these for garlic bread or toasties. i dont care if i eat beans on toast etc


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