For this reason, you should consider the appropriateness for the information to your own circumstances and, if necessary, seek appropriate professional advice. This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. We have created a free, basic, budget template for people who want to start budgeting their personal finances on a month-to-month basis. You should obtain professional financial advice before making any financial decision. Plan and manage your personal budget using MyMicroBalance. Should you apply for any St.George Bank product, we will make our own calculations and we will not necessarily take the results of your calculations using this Calculator into account. Quicken offers a FREE, easy-to-use budgeting calculator to help you understand your expenses and manage your money. Additionally this budget tool provides you a great overview of your present financial situation. It is intended for use by you as a guide only, and not intended to be relied on for the purposes of making a decision in relation to a financial product. The calculator is generic and does not take into account your personal circumstances. The assumptions may not reflect the ways in which our Bank's computer systems work. This calculator model contains a number of assumptions and they are set out in the i button. Consider its appropriateness to these factors before acting on it. Get helpful tips based off your monthly spending. Use our budget planner to see where your money goes and to help you manage your budget. This information does not take your personal objectives, circumstances or needs into account. Well give you a breakdown of your finances and provide some great tips and support that could help get you towards where you want to be. Keep checking in on your budget and make tweaks as needed or if your financial situation changes.Make sure 'Use this budget for comparison. The Monthly/Yearly figures are calculated for you and compared to your Tracking (actual) figures on the 'Comparison' sheet. Enter the 'Frequency' by using the drop down menu. Once you've built your savings up and have a lump sum, you could consider putting some money into a term deposit and lock your money away for a set amount of time for a guaranteed rate of return. Create a quick and easy budget by filling out the white cells on the 'Quick Budget' sheet.It's worthwhile choosing a bank account that will reward you for regular saving, such as a savings account that pays a bonus interest rate for growing your balance. If your budget plan shows you've got more money coming in than going out, then you're in a good position to use some of the extra cashflow to start kicking your savings goals with a regular savings plan.If you have any ongoing car loan, personal loan and credit card repayments or if you're paying child support, include these as well. Some of your expenses are likely to be regular fortnightly or monthly expenses, such as your rent or mortgage, health insurance premiums, phone bill, gym membership and Spotify subscription. You could also look at your quarterly Business Activity Statement (BAS) and divide by 13. If you're self-employed or have an irregular income, you can work out your average weekly income by taking your last tax return and dividing it by 52 or 12 for your monthly income. If you get paid regularly, just take a look at your pay slip or bank statement.
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