If you live in Newcastle, look for a budgeting app that supports Australian banks, Australian dollars and secure bank-feed connections. Useful features include spending categories, bill reminders, savings goals and the ability to adjust for irregular costs such as council rates, energy bills and car registration. Compare free and paid plans, check how your data is stored, and avoid entering banking passwords into an unfamiliar service. You can also compare your app’s results with your bank statements and seek independent financial advice if you need help managing debt or a complex budget.