Start with your after-tax household income, then list fixed costs such as rent or mortgage, insurance, internet and loan repayments separately from variable costs such as groceries, petrol, heating and entertainment. For Hobart, allow for seasonal changes in electricity or heating costs, as well as transport and annual expenses such as registration, rates, school costs and medical bills. Review recent bank statements and bills to set weekly or fortnightly limits, and include a small emergency buffer if your income allows. You can compare available concessions through the Tasmanian Government and Services Australia websites, while energy-saving advice is available from energy.gov.au.