Budget workshop
See the month before it spends itself
Take-home pay, Family Tax Benefit, and the bills that actually show up. Saved on this device — nobody else sees it.
Money in
After tax, both adults if you share a budget
Estimator uses 1 July 2026 rates. Confirm in myGov — this is kitchen-table maths, not a Centrelink letter.
Money out
Incl. strata if you pay it
Food, household, toiletries
Average the year, not August
Petrol, transit, car insurance if not below
Out-of-pocket after subsidy
All lines
Home, contents, life — not car if already in transport
Minimums you actually pay
Activities, school, birthdays
A buffer so the month doesn’t surprise you
Budgeting apps
The apps worth installing
The workshop above keeps the fortnight honest. These are for the rest of the accounts — and the leftover veg. Free first.
1
FreeWeMoney
Open banking plus a free credit score
The closest thing Australia has to a free all-in-one. Links the banks through CDR, categorises the spend, and shows the Equifax score. Use code MUMSBUDGET on signup for $5.
Code
Open WeMoneyMUMSBUDGET2
FreeSuperCook
Dinner from what’s already in the fridge
Type in the leftover bits and it gives you recipes. That’s how you stop a second shop for one missing herb. The cheapest meal is the one you already paid for.
Open SuperCook3
FreePetrolSpy
Cheapest fuel before you leave the driveway
Live prices from the station down the road, not last week’s average. A few cents a litre adds up if you’re doing school run plus the shop.
Open PetrolSpy