Start by listing your regular income and fixed costs, such as rent or mortgage, council rates, insurance, energy, internet and transport. Then review variable expenses including groceries, petrol, school costs and medical bills, allowing extra room for seasonal or unexpected costs. Comparing electricity, insurance and phone plans may identify savings, but any new price or policy depends on the provider and your circumstances. You can also check whether you qualify for government support through Services Australia and use a current budget planner from moneysmart.gov.au.