Start your household budget for 2026 with your regular after-tax income, then list fixed bills, flexible spending and less frequent costs such as registration, insurance and school expenses. Use recent bank statements or bills to estimate realistic amounts, convert annual costs into weekly or monthly figures, and keep a small buffer for price rises or unexpected repairs. Review energy plans, insurance, subscriptions and government assistance, but remember any savings, quote or payment depends on your provider and personal circumstances. For possible Centrelink support, check Services Australia’s official website.