Family Budgeting: Step-by-Step Strategies to Create and Stick to a Budget

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.

series of paper men on wood background going from sitting with head in hands to flying with superman cape

Challenges to Frugal Living and How to Overcome Them

survive money troubles by building financial resilience

Survive Money Troubles with these 6 Steps to Building Financial Resilience

woman reading book on her lunch break at a city table with a reusable coffee cup and apple

Get into the Frugal Habit with a Successful No-Spend Challenge

The First Step to a Better Budget

Make Better Financial Decisions by Asking These Three Strategic Questions

Should You Sweat The Small Stuff? Why Small Savings are Worth the Effort

How to Get That Buyer’s High Without Buying New Stuff

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.

podcast episode 3 key strategies for creating a more effective budget

The Three Timeless Strategies I’ve Learned to Stick to My Budget – Podcast 3 Show Notes

Get to Know Your Spending With This Free Printable Expense Tracker

When to Track Expenses and When Not To – The First Step to Budgeting

woman making notes with phone representing creating a simple budget

How I Create a Super Simple Budget That’s Easy to Maintain

modern digital envelope system feature man clicking laptop, concept envelopes with labels

How I Use a Modern Digital Envelope System to Make Paying Bills Easier (Cashless)

Is Your Budget a Success? How to Track Your Financial Progress

woman on mobile phone on money management app

10 Best Money Management Apps for Australians (2024 Update)

How to Budget Irregular Income and Brings Some Predictability to Your Cash Flow

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.

tutorial basic home budget spreadsheet in excel

Tutorial: Building A Basic Home Budget Spreadsheet In Excel (For Beginners)

Tutorial: Building A Basic Budget In Excel (For The Absolute Excel Beginners) Part 2

How I Track My Savings Goals With A Savings Tracker in Excel {Tutorial}

Charting Your Budget in Excel – Visualise Your Progress with Graphs

using the PMT function in Excel to calculate monthly loan repayments

Calculate Loan Repayments Using Excel and See How Different Scenarios will Affect Your Budget

How to Monitor Your Budget and Avoid Overspending

Sticking to Your Budget

3 Steps to Creating Money Habits That Help You Save

The One Thing You Need To do To Stick To Your Budget

How the Psychology of ATM Fees Can Save You Money

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How I Transformed Our Budget and Built Savings with the ‘Pay Yourself First’ Strategy

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How to Get Back on Track After Blowing the Budget

Here’s How I Create a Proactive Spending Plan that Helps Me Save

automating your finances for stress free money management

Automating Your Finances – How to Make Saving Money as Easy as Doing Nothing

How to Manage The Bills So You Don’t Forget to Pay Them

Using Your Budget to Reach Your Financial Goals

10 Ways to Boost Your Savings and Reach Your Goals Sooner

woman writing in journal about her goals and planning

How I Create a Savings Plan to Reach Our Savings Goals

How We Track and Save For Multiple Savings Goals

Snowball Your Savings

7 Timeless Principles of Budgeting Every Frugal Person Should Know

Budgeting Tips to Help You Reduce Debt

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Using Your Budget to Build Emergency Savings

The Six Steps to Building an Emergency Fund

A Four-Part Tiered Emergency Fund to Cover all Contingencies

Using Your Budget to Own Your Own Home

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Family Budgeting Tips

Book with wish for it, hope for it, dream of it, but by all means do it, written in it.

The Easiest Way to Set and Achieve Financial Goals

Book Review: Ditch The Debt and Get Rich By Effie Zahos

Sharing Financial Responsibility in a Relationship

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.