Budgeting can seem like a big word, but it's just about planning how to spend your money so you can have what you need and save for things you want. Here's a simple guide to help Australians with disabilities get started with budgeting.

1. Know Your Money

First, figure out how much money you get. This might be from a job, help from the government, or other places. Write down the total amount you get each month.

2. List Your Needs

Needs are things you must have to live safely and healthily. This includes:

• Rent or mortgage (the money you pay for living in your house or apartment)

• Bills (like electricity, water, and internet)

• Food (what you need to eat)

• Medicine or healthcare

Write down how much you spend on these needs each month.

3. Track Your Spending

Sometimes, we spend money on little things without noticing. Write down everything you buy for a month, even small things like a coffee or a snack. This will help you see where your money goes.

4. Set Goals

Think about what you want to save money for. It could be something big, like a holiday, or something small, like a new game. Knowing what you're saving for can help you stay focused.

5. Make a Plan

Now, take the money you get and subtract your needs and the money you want to save for your goals. The money left is what you can spend on other things, like going out or buying treats.

6. Use Tools to Help

Some tools can make budgeting easier. You can use:

• A notebook and pen

• A spreadsheet on a computer

• Budgeting apps on your phone

Choose what feels easiest for you.

7. Check How You're Doing

Every month, look at how you did. Did you spend more than you planned? It's okay! See where you can do better next month. Budgeting gets easier with practice.

8. Ask for Help If You Need It

If budgeting feels hard, it's okay to ask for help. You can talk to someone you trust, like a family member or friend. Some services and professionals can give you advice.

Remember, budgeting is about making your money work for you. It's okay to start slow and learn as you go. Every step you take is helping you get better at managing your money.

Simple Steps to Remember:

1. Know Your Money

2. List Your Needs

3. Track Your Spending

4. Set Goals

5. Make a Plan

6. Use Tools to Help

7. Check How You're Doing

8. Ask for Help If You Need It

Budgeting is a skill you can learn and get better at over time. It helps you feel more in control of your money and your life.