.jpg)
Type ‘budget template’ into Google, and the sheer amount of search results will make your head spin.

Type ‘budget template’ into Google, and the sheer amount of search results will make your head spin.
The banks, bloggers, you name it – everyone’s got an opinion on the best way to budget.
Which is great, right?!
In the digital age, being able to find information via, say, Google super quickly is brilliant.
Here’s the problem though.
For me, 99.9 percent of budget planning ‘advice’ gleaned from the Internet overcooks it.
The more you overcook it, the less likely you’ll actually stick to your budget.
I’ll give you the lowdown in a sec.
First, though, I need you to do something for me.
Go grab a pen and a piece of paper.
Put the kettle on.
Print out last month’s bank statement.
Sit down.
Then take a deep breath.
Now… I want you to place each transaction in last month’s bank statement into four categories.
(1) Bills and living (2) Investments (3) Savings (4) Your ‘me’ spending
Are you with me?
Okay, I’ll give you 10 minutes.
Cool. You’re back.
You’ve got it all worked out – great!
Okay…
Here’s how simple your budget should be (and bear in mind, this is based on getting, say, paid monthly and focusing on one month’s spending)…
Now, it doesn’t need to be bang on at those percentages, as everyone’s circumstances are different.
It simply shouldn’t be too much more complex than this!

Global markets are entering the second half of 2026 amid shifting economic conditions, cooling AI momentum and lower oil prices. Tyson Roberts explores the key trends shaping investment markets, where new opportunities may be emerging, and why diversification remains essential in an evolving investment landscape.

Major changes to SMSF property investing are coming from 10 August 2026. New legislation will prevent SMSFs from entering into new borrowing arrangements to purchase residential property, while existing loans are expected to be protected.

July 2026 Centrelink changes could improve Age Pension eligibility for some retirees. While the increased assets and income thresholds may allow more people to qualify for a part pension, the actual benefit depends on whether your entitlement is assessed under the assets or income test. If you're close to the eligibility limits, now may be the right time to review your Centrelink position and ensure you're receiving any benefits and concessions available to you.
Stay in the know with the latest updates, insights, and exclusive content delivered straight to your inbox.