Financial Planning

Budgeting in plain English - What is a budget?

A budget is a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money.

I’m a stickler for being organised, for planning ahead, for sytemising and organising. If I sound proud of this, it’s because I am.

Imagine feeling on top of your finances. Knowing you're in a position to enjoy your life today, while also saving for tomorrow.

If that sounds good to you, you're not alone. In a recent survey, 54% of Australians aged 55-64 strongly agreed they'd like that too.ⁱ

Many women dream of a retirement where they can kick back and relax, do whatever they like and be free from the demands of others – actually focusing on caring for themselves.

Sounds easy, but in reality it’s much harder than that. In the moment, most of us would rather have that $15 lunch special than increase our super contributions by 1%. “Later” doesn’t hold up so well against “now.”

Shopping is one of those activities we do daily, often without thinking. At the same time, it’s when our hard-earned cash leaves our wallet for good. And once it’s gone, it’s gone forever.