![]() ![]() Maybe we can get an extra little side job to make some additional money to put toward the debt. Maybe we’ll plan to make a double payment each month. We’ll write it down on this page, give ourselves a timeframe in which to complete it (by the end of December 2024), and then we’ll list the action steps that we are going to take in order to reach that goal. Let’s say we’ve set a goal to pay off our student loans in the next year. When Donnie and I take the time to sit down together and write out our financial goals, it puts us on the same page, and we are much more likely to achieve what we set out to do! Goal setting is oh-so-important to me, especially when it comes to finances. Monthly Check-in Page– This page helps you take a look over the previous month’s finances and gauge what you did well and what you would like to improve for the upcoming month.Pages to Track Variable Monthly Expenses– These sheets track expenses that vary some from month to month like grocery shopping, eating out, gas, clothing, etc.Pages to Track Recurring Expenses– These sheets track bills that stay pretty much the same each month like mortgage/rent, car payments, student loan payments, utility bills, etc.Goal Setting Sheet– Set financial goals for the year so you know exactly what you’re working toward.Cover Page– Keep track of your binder (and make it pretty so you want to use it often)!.(If you click on each of the links below, you can jump right to the explanation for that particular page.) Here’s what to include in a budget binder: There are several key pages that I include in my budget binder each year. A financial counsellor gives free advice and support to people who are going through financial hardship.įind a financial counsellor in your area on the National Debt Helpline website.What should be included in a budget binder? The National Debt Helpline offers free financial counselling. Our FIS Officers can share tools, resources and information that can help you make more informed financial decisions. You can talk to one of our Financial Information Service (FIS) Officers for free. Small goals like saving for new furniture or school supplies can be useful. You don’t need to have a large savings goal. You can call your regular payment line to find out if you’re eligible. This means your Family Tax Benefit or Carer Allowance can be paid on a different week to your income support payment. To help you manage your money, you can ask for your Family Tax Benefit or Carer Allowance payment to be offset. This can help you if you find it hard to budget a fortnightly payment. The weekly payment option can allow you to get your income support payment weekly. They also show your upcoming payments from us. ![]() The statements show the deductions you have set up to come straight out of your payment from us. Centrelink Deduction StatementsĬentrelink Deduction Statements help you track your deductions. It allows you to pay your state or territory housing authority rent through regular deductions from your Centrelink payments. ![]() Our Rent Deduction Scheme is a convenient, secure and free service. CentrepayĬentrepay is a free and voluntary service you can use to pay bills as regular deductions from your Centrelink payments. There are services to help you manage your money and set yourself up for success. A change in your income or costs can impact your budget. Remember to review your budget often to make sure it’s still working for you. Setting a savings goal means you’ll know how much you need to save regularly to reach your goal. You can then see if you have money left over. Use the simple money manager to do your budget. annual and one-off costs, like insurance and car registration. ![]() bank statements including direct debits.Calculate how much money you have coming in by using any of these: ![]()
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