List your regular income, fixed bills, everyday spending, debts, savings goals and less frequent costs such as car registration, school expenses and annual insurance. Review bank statements from the past few months so your estimates reflect what you actually spend, then set weekly or fortnightly limits that match your pay cycle. Keep a small buffer for unexpected expenses and review the budget when your circumstances or bills change. For practical tools and guidance, you can also check the Australian Government's Moneysmart website.