{"id":6015,"date":"2018-08-07T14:22:36","date_gmt":"2018-08-07T04:22:36","guid":{"rendered":"https:\/\/nimble.com.au\/?p=6015"},"modified":"2026-01-27T14:00:45","modified_gmt":"2026-01-27T04:00:45","slug":"simple-guide-to-budgeting","status":"publish","type":"post","link":"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/","title":{"rendered":"The 5 Step Simple Guide to Budgeting"},"content":{"rendered":"\r\n

“Make a budget”, say all personal finance guides ever. Well, let\u2019s be honest, that\u2019s not really very helpful. It might seem like the first obvious thing to do but saying \u2018make a budget\u2019 is as helpful to some people as \u2018start a diet\u2019 or \u2018stop procrastinating\u2019. We know that we should, but we just don’t really know how t<\/em>o do it.<\/p>\r\n\r\n\r\n\r\n

As well as not really knowing how to formulate a budget, most of us don\u2019t know how to stick to our budget. That\u2019s why we\u2019ve decided to start at the beginning and put together a guide to building a budget that you\u2019ll actually <\/em>stick to\u2026<\/p>\r\n\r\n\r\n\r\n

Step 1: Make it as simple as possible<\/strong><\/h2>\r\n\r\n\r\n\r\n

There are plenty of ways to draw up a budget. You can get crazy with spreadsheets and track your expenses down to your very last cent. We don\u2019t recommend that you do that. The more complicated you make your budget, the less likely you are going to stick to it.<\/p>\r\n\r\n\r\n\r\n

To get you started, we\u2019ve set out to sort through all the online budgeting schemes being promoted by financial gurus (hot tip: there are a LOT of them<\/em>). We wanted to find one that was super simple to understand, implement and maintain.<\/p>\r\n\r\n\r\n\r\n

Here it is:<\/p>\r\n\r\n\r\n\r\n

    \r\n
  1. You write down your total expected monthly income and split into three income \u2018types\u2019.<\/li>\r\n
  2. The first \u2018type\u2019 goes on essentials. Like rent, bills and groceries.<\/li>\r\n
  3. The second \u2018type\u2019 gets saved for investments or \u2018big\u2019 purchases.<\/li>\r\n
  4. The third \u2018type\u2019 is spent on luxuries. Things you want and entertainment.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

    Now, don\u2019t stress too much about the exact percentages of each category. That will depend on your specific situation. The important point is that we\u2019re splitting up your money into three categories: Fixed<\/strong>, Save<\/strong> and Splurge<\/strong>.<\/p>\r\n\r\n\r\n\r\n

    Step 2: Get your ducks in a row (and find out how much they cost)<\/strong><\/h2>\r\n\r\n\r\n\r\n

    This will be the most time-consuming part of your super simple budget but don\u2019t worry, it only has to be done once. Then you\u2019re set!<\/p>\r\n\r\n\r\n\r\n

    To get the low-down on how much you\u2019re spending on the essentials each month you need to crunch the numbers. So, make yourself a cuppa, sit down with a pen and paper and get down to business:<\/p>\r\n\r\n\r\n\r\n

      \r\n
    1. Rent\/Mortgage<\/li>\r\n
    2. Groceries<\/li>\r\n
    3. Bills (Power\/Water\/Heat<\/em>)<\/li>\r\n
    4. Loan Repayments<\/a><\/li>\r\n
    5. Other Essentials (Other payments, Transport, Pet Food<\/em>)<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

      You might want to include non-essential bills like TV subscriptions, mobile phones, internet or gym memberships. The most important part of what we\u2019re doing here is getting a list of predictable monthly costs, not the bare minimum you can survive on. Be sure to also keep in mind any future costs that might occur due to actions that you take such as moving homes<\/a>.<\/p>\r\n\r\n\r\n\r\n

      Step 3: Make the tweaks you need<\/strong><\/h2>\r\n\r\n\r\n\r\n

      Now you have your Fixed Costs<\/strong>.<\/p>\r\n\r\n\r\n\r\n

      The less money that has to go towards your fixed cost fund, the more you will be able to Save <\/strong>and Splurge<\/strong>, so you might want to look at downsizing a few things to get the most out of your budget. Whether it\u2019s working out how to spend less on your weekly grocery shop<\/a> or finding a cheaper energy provider<\/a>, finding ways to pay less for your fixed expenses is going to make the next few steps a lot<\/em> easier.<\/p>\r\n\r\n\r\n\r\n

      If you really can\u2019t find any wiggle room, then you may have to downsize your Splurge<\/strong> or Savings<\/strong>, but at least you\u2019ll always know what you\u2019re working with.<\/p>\r\n\r\n\r\n\r\n

      Step 4: Put your plan into action<\/strong><\/h2>\r\n\r\n\r\n\r\n

      OK, now you know how much it costs you to live your life every month. That\u2019s your Fixed Costs<\/strong>. Take that off how much money you get each month so that you can work out your Save<\/strong> and your Splurge<\/strong> too.<\/p>\r\n\r\n\r\n\r\n

      Just make sure you separate these so you\u2019re not always spending out of the same pot!<\/p>\r\n\r\n\r\n\r\n

      And the simplest way to do this is to have different bank accounts for each \u2018type\u2019.<\/p>\r\n\r\n\r\n\r\n

      Once you\u2019ve arranged your accounts, it\u2019s just a matter of creating recurring transfers after payday and you\u2019re budget ready!<\/p>\r\n\r\n\r\n\r\n

      Step 5: Track your \u2018splurges\u2019 (<\/strong>but don\u2019t let them stress you too much<\/em><\/strong>)<\/strong><\/h2>\r\n\r\n\r\n\r\n

      First of all: congratulations! You\u2019ve already made your budgeting life a lot easier.<\/p>\r\n\r\n\r\n\r\n

      You\u2019ve got your \u2018Fixed Cost\u2019 bank account. If you\u2019ve crunched the numbers on your monthly spend, this should go like clockwork.<\/p>\r\n\r\n\r\n\r\n

      You\u2019ve also got your \u201cSavings\u201d account, which you can deposit into and forget. Let the balance slowly tick up until you hit your savings goal.<\/p>\r\n\r\n\r\n\r\n

      So the only part of your budget you really have to \u2018manage\u2019 is your \u2018Splurge\u2019 fund.<\/p>\r\n\r\n\r\n\r\n

      Luckily, the only rule with the Splurge fund is that there are no rules. You can spend it on anything you want. Great, right? \u00a0Who thought budgeting could be so fun?<\/p>\r\n\r\n\r\n\r\n

      But if you would prefer to have mini-splurges throughout the month rather than blowing it all in a blaze of payday glory, you still might want to track your spend in this department. You can do this with a simple daily budgeting app, like Daily Budget (there is an <\/em>Apple<\/em><\/a> and <\/em>Android <\/em><\/a>version, they\u2019re from different people, but they do the same thing<\/em>).<\/p>\r\n\r\n\r\n\r\n

      This app will take your Splurge fund and split it up across the remaining days in the month. When you have Splurge-free days, that amount will go up and if you treat yourself to a fancy dinner, it will go down. If you accidentally overspend, don\u2019t be afraid and pull out a Fast Loan<\/a> which can allow you to spend on the essentials down the track and can be paid off relatively easily.<\/p>\r\n\r\n\r\n\r\n

      But the beauty of this is everything you buy with your Splurge fund is \u2018optional\u2019 anyway. If it runs dry by the end of the month, you just have to wind things down before your next pay date. You can\u2019t accidentally spend your grocery money or savings because they\u2019re in completely different accounts. Just make sure you don\u2019t overdraw to avoid and account fees and you\u2019re golden!<\/p>\r\n\r\n\r\n\r\n

      And that\u2019s our five simple steps for a foolproof budget that anyone can actually stick to. Give it a go and let us know how it works for you in the comments below. If sudden unforeseen circumstances occur and you suddenly don\u2019t have the budget to afford some items, don\u2019t let this ruin your mood! Contact us<\/a> and apply for a Cash Loan<\/a> to pay off those bills or purchase that essential item with little to no hassle.<\/p>\r\n\r\n\r\n\r\n

      You should read this bit:<\/em><\/strong> The above post contains links to a variety of application software (\u201cApp, Apps\u201d) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and\/or other related parties. The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble\u2019s website meaning we\u2019ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information in this blog post is general information only and does not take into account your objectives, financial situation or needs. For tax advice relating to your specific financial situation, Nimble recommends seeking the services of a qualified Australian tax accountant. The information contained in this blog is correct at the date of publication.<\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"

      “Make a budget”, say all personal finance guides ever. Well, let\u2019s be honest, that\u2019s not really very helpful. It might seem like the first obvious thing to do but saying \u2018make a budget\u2019 is as helpful to some people as \u2018start a diet\u2019 or \u2018stop procrastinating\u2019. We know that we should, but we just don’t […]<\/p>\n","protected":false},"author":11,"featured_media":6187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-6015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-resources"],"yoast_head":"\nSimple Guide to Budgeting: Easy Tips to Manage Your Money | Nimble<\/title>\n<meta name=\"description\" content=\"Discover easy budgeting tips and strategies to manage your finances effectively. Read Nimble's simple guide to budgeting and take control of your money today!\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simple Guide to Budgeting: Easy Tips to Manage Your Money | Nimble\" \/>\n<meta property=\"og:description\" content=\"Discover easy budgeting tips and strategies to manage your finances effectively. Read Nimble's simple guide to budgeting and take control of your money today!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/\" \/>\n<meta property=\"og:site_name\" content=\"Nimble Blog\" \/>\n<meta property=\"article:published_time\" content=\"2018-08-07T04:22:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-27T04:00:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nimble.com.au\/blog\/wp-content\/uploads\/2018\/08\/Budgeting_Guide__Blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"632\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"The Nimble Team\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Nimble Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/\"},\"author\":{\"name\":\"The Nimble Team\",\"@id\":\"https:\/\/nimble.com.au\/blog\/#\/schema\/person\/a8b2d0d0307223bb9e901c4ad1853d3e\"},\"headline\":\"The 5 Step Simple Guide to Budgeting\",\"datePublished\":\"2018-08-07T04:22:36+00:00\",\"dateModified\":\"2026-01-27T04:00:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/\"},\"wordCount\":1339,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/nimble.com.au\/blog\/wp-content\/uploads\/2018\/08\/Budgeting_Guide__Blog.png\",\"articleSection\":[\"Tips & Resources\"],\"inLanguage\":\"en-AU\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/\",\"url\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/\",\"name\":\"Simple Guide to Budgeting: Easy Tips to Manage Your Money | Nimble\",\"isPartOf\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/nimble.com.au\/blog\/simple-guide-to-budgeting\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/nimble.com.au\/blog\/wp-content\/uploads\/2018\/08\/Budgeting_Guide__Blog.png\",\"datePublished\":\"2018-08-07T04:22:36+00:00\",\"dateModified\":\"2026-01-27T04:00:45+00:00\",\"description\":\"Discover easy budgeting tips and strategies to manage your finances effectively. 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      To do this, you want to sign up with a bank that will let you set up a high-interest saver account and two standard accounts, each with their own card, without hitting you with too many fees. Check out finder.com.au<\/a> to find the best option for you.<\/p>\r\n\r\n\r\n\r\n