Use the simple money manager to plan for regular items like:
- the cost of child care
- school uniforms and fees
- the weekly food bill
- electricity and phone bills
- the cost of running your family car
- vet bills.
What you spend on your children's education could be one of your family's biggest expenses. Education costs can add up quickly. Planning and saving is the key to meeting your goals.
Planning for unexpected costs, like car repairs or an emergency trip to the dentist, can help you avoid a crisis.
Planning is key to reaching your financial goals. When working out how you spend your money, you might see how you can start saving for big items.
Having a savings buffer, no matter how small, can help you deal with whatever the future brings.
Set a savings target that works for you. Then watch your savings add up. You can use the savings goal calculator on the Moneysmart website to make a start.
Get other help
There are many tools you can use to help manage your family’s money.
Read about our payments and services
Centrepay is a free voluntary bill paying service. Deductions come from your Centrelink payments. You can use them to pay many types of bills, such as bills for child care, electricity or rent.
The weekly payment option can allow you to get your income support payment weekly. This can help you if you find it hard to budget a fortnightly payment. You can’t get Family Tax Benefit paid weekly.
Use online tools
Sometimes it’s hard to keep your money on track after a divorce or separation. Use the divorce and separation financial checklist on the Moneysmart website to get your money on track.
If you need a fridge or other household appliance, check out the rent vs buy calculator.
Speak to someone
Our social workers can help you with counselling, support and information during difficult times.
The National Debt Helpline offers free financial counselling. Don’t wait to call them if your money is worrying you.
It’s worth getting free expert advice to get a clear picture of your finances. To get help in your area, you can find a financial counsellor on the National Debt Helpline website.
Get fair and affordable banking and loans
Check if you qualify for a no interest loan from Good Shepherd. These loans provide safe, fair and affordable credit for essential goods and services.
Saver Plus is a matched savings and financial education program offered locally by community organisations in every state and territory. Read more about it on the Brotherhood of St Laurence website.