Monthly Trackers
Simple spreadsheets that help you see where money actually goes. No complicated formulas—just columns for income, expenses, and the difference between them.
Budget Planning Resources
Practical worksheets, calculators, and guides designed around real financial situations Australian families face. Everything here comes from actual budget planning sessions we've done since 2019.
Goal Planners
Break down big purchases into manageable weekly amounts. Works whether you're saving for a car, holiday, or emergency fund over the next 6-18 months.
Debt Calculators
Figure out which debts to tackle first and how extra payments change your timeline. Shows you actual dollar amounts saved on interest when you pay down faster.
Downloadable Materials
Budget Worksheets That Work
These aren't fancy templates with 40 categories nobody uses. We built them after watching hundreds of families struggle with overly complex systems.
Start with the basics. You can always add more detail later if you need it.
- Weekly spending snapshot (one page)
- Bill payment schedule with due dates
- Variable expense tracker for groceries and fuel
- Annual expense planner for registration and insurance
- Kid's activity cost calculator
Interactive Budget Tools
Online calculators that show you different scenarios. Change one number and see how it affects everything else. Works on your phone during lunch break or late at night when you're actually thinking about this stuff.
Income Split Calculator
Shows how dual-income families can split bills fairly based on actual earnings. Accounts for childcare costs that affect take-home differently.
- Adjusts for tax brackets automatically
- Includes PAYG and super contributions
- Factors in family tax benefits
Savings Timeline Mapper
Enter your target amount and weekly contribution. See exactly when you'll hit your goal and what happens if you increase or decrease the amount.
- Compares different contribution amounts side by side
- Shows interest earned on high-interest accounts
- Accounts for irregular extra contributions
Learning Resources
Guides Written From Experience
Not theory from textbooks. These come from actual conversations we've had with Newcastle families dealing with real budget challenges between 2019 and 2025.
Each guide tackles one specific situation. Read what applies to you right now and skip the rest.
Managing Irregular Income
For casual workers, contractors, and anyone whose pay changes week to week.
School Costs Planning
Spreading uniform, book, and activity expenses throughout the year instead of January panic.
Energy Bill Strategies
Actual usage patterns and switching tactics that made differences for Hunter region households.
Holiday Budget Systems
Planning road trips and local getaways without credit card regret in February.