Get organised by sticking to a budget!

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How to budget yourself out of debt
  Period (e.g. weekly, monthly)
Household income  
Work-related income (after tax)  
Rental income  
Dividends/imputation credits  
Interest  
Government income support  
Superannuation pension (after tax)  
TOTAL INCOME $
Expenses  
Housing expenses  
Rent/mortgage  
Water rates and land rates  
Electricity/gas/wood/oil  
Telephone/mobile/internet/pay TV  
Furniture/electrical appliances  
Maintenance/repairs  
Home and contents insurance  
Transport expenses  
Vehicle registration  
Car insurance/road side assistance  
Licenses  
Fuel  
Maintenance/repairs/service  
Public transport/taxi/parking  
Personal and family expenses  
Groceries  
Clothing/shoes/dry cleaning  
Hair care/cosmetics  
Child care/school fees  
Books/excursions/pocket money  
Pets/vets  
Health/ambulance insurance  
Supeannuation/life insurance  
Union fees  
Leisure expenses  
Entertainment  
Holidays  
Gifts/donations  
Financing Expenses  
Loans (personal, car, business)  
Credit card 1  
Credit card 2  
Store cards  
Total Expenses  
Total Income  
Surplus/Deficit  
Source: www.nicri.org.au  

 

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