A Canberra household budget should cover housing, groceries, electricity and gas, water, transport, insurance, healthcare, school or childcare costs, subscriptions and irregular expenses. Include an annual allowance for items such as car registration, rates, repairs, medical bills and gifts, then divide those costs by 12. Check recent bank statements and compare your spending with current local prices, rather than relying on a generic estimate. If money is tight, a free financial counsellor can help you prioritise bills and look for eligible support.