Your Budgeting Toolkit

Real resources that make managing money less mysterious. We've built these materials from working with hundreds of Australian households who needed practical guidance — not theory from textbooks.

Everything here comes from actual budgeting challenges people face. You'll find worksheets we've refined through feedback, templates that account for Melbourne's cost of living, and guides written in plain language.

Get Started
Person reviewing budget documents with calculator and laptop

What's Available

Browse our collection of downloadable resources. Each one addresses specific budgeting situations we've encountered while helping clients across Victoria.

Monthly Budget Planners

Spreadsheets designed for Australian income cycles. Includes sections for variable expenses like utilities that fluctuate seasonally. Updated February 2025 to reflect current cost patterns.

Debt Reduction Calculators

Tools that show you the actual timeline for paying off credit cards or personal loans. Enter your details and see different payment scenarios side by side.

Emergency Fund Builders

Step-by-step worksheets for establishing financial cushions. Includes Australian-specific considerations like private health insurance excess amounts.

Investment Starting Guides

Beginner-friendly explanations of shares, ETFs, and managed funds. Written for people with zero investment experience who want straightforward information.

Tax Planning Checklists

Pre-tax time preparation lists that help you gather relevant documents. Covers common deductions for employees and small business operators.

Goal Setting Templates

Frameworks for turning financial wishes into concrete plans. Whether you're saving for a house deposit or planning a career break, these help map the path.

Comprehensive Budgeting Series

Our flagship guide walks through budget creation from scratch. Written for people who've tried budgeting before and found it didn't stick — this time we focus on sustainability over perfection.

  • Setting realistic spending categories based on your actual lifestyle, not theoretical ideals
  • Tracking methods that take less than ten minutes per week
  • Adjusting budgets when circumstances change without starting over completely
  • Managing irregular income if you're freelance or commission-based
  • Dealing with shared expenses in relationships without conflict
  • Building flexibility into plans so you don't abandon them after one bad month

Latest Update

Revised January 2025 with new sections on managing subscription creep and comparison shopping strategies that actually save time.

Request Access

Downloadable Worksheets

Print-friendly PDFs and editable spreadsheets. These aren't fancy — they're functional. We've stripped out unnecessary formatting to focus on usability.

Each template includes instructions and real examples showing how someone else filled it out. That context helps when you're staring at blank fields wondering what to write.

Weekly Trackers Monthly Overviews Annual Planning Debt Payoff Savings Goals
  • Income & Expense Worksheet
  • Quarterly Review Template
  • Bill Payment Schedule
  • Net Worth Calculator
  • Budget vs. Actual Tracker
  • Financial Goals Planner

Video Explanations

Short recordings that demonstrate specific techniques. No lengthy introductions or filler content — just the information you need.

Spreadsheet Setup

Watch how to build a functional budget spreadsheet from scratch using free software. Covers formulas, categories, and automatic calculations.

8 videos March 2025

Banking App Features

Demonstrations of useful tools hiding in most banking apps. Many people don't know these exist — they can automate parts of your budget tracking.

5 videos February 2025

Expense Categorisation

How to decide which spending category something belongs in when it's not obvious. Plus strategies for dealing with combined purchases.

4 videos January 2025

Regular Review Process

Our recommended monthly check-in routine. Takes about 30 minutes and helps you spot problems before they become crises.

3 videos January 2025

Practice Scenarios

Work through realistic situations using sample data. These exercises help you apply concepts before using them with your actual finances. Each scenario includes our working-out so you can compare approaches.

Unexpected Expense

Your car needs $800 in repairs. Practice adjusting your budget to accommodate this without derailing other goals.

Beginner

Income Fluctuation

Three months of varying income amounts. Create a budget that handles this variability without constant revision.

Intermediate

Multiple Goals

Balance saving for a holiday, building emergency funds, and reducing credit card debt simultaneously with limited surplus income.

Advanced

Need Help Using These Materials?

Sometimes you need someone to clarify how a particular resource applies to your situation. We offer brief consultations where you can ask specific questions about implementing these tools.

Located at Suite 1003/258 Little Bourke St, Melbourne VIC 3000. Available by appointment throughout 2025.

Book Consultation Call +61 8 6365 5420