A frugal budget is a tool that EMPOWERS you to make informed money decisions. It helps you reach your financial goals and live the good life you envision.
A budget helps you to LIVE INTENTIONALLY according to your goals and your values instead of reacting to a consumer culture. It’s easy to get seduced by marketing and then regret impulse buys.
Instead, a budget helps you steer a course through these many temptations. Your financial goals are your destination and your budget is your map. It is your compass that helps you navigate the valley of temptation and reach your destination.
On this page, you’ll find links to all the resources on the website that will help you create and stick to your own frugal budget.
Before You Start Budgeting – Get into the Frugal Mindset
The foundation of successful budgeting is the right mindset. Check out the articles below on getting into a frugal mindset.
Creating a Family Budget
Now it’s time to create your budget. These articles will help you to create a frugal budget that works for you.
Using Excel to Create a Budget
Excel is a great program to track your budget. Don’t have Excel? You can use Google Docs for free and the steps are similar to the ones in the tutorials below.
Sticking to Your Budget
Using Your Budget to Reach Your Financial Goals
Budgeting Tips to Help You Reduce Debt
Using Your Budget to Build Emergency Savings
Using Your Budget to Own Your Own Home
Family Budgeting Tips
Budgeting for Tough Times
There are two types of frugal budgets: the budget you WANT to stick to in order to reach your goals. The other is the budget you HAVE to stick to because you’re going through tough times. Here are some articles on tough times.
Remember, if you’re going through tough times, you don’t need to do it alone. There are many great resources available to you to help you get back on your feet.
Getting Free Financial Help in Australia