Start by reviewing the past two or three months of bank statements and grouping spending into essentials, debts, subscriptions and one-off purchases. Compare energy, insurance, phone and internet plans, and ask providers about cheaper options or hardship support before a payment is missed. Planning meals, shopping with a list and cancelling unused subscriptions can also reduce regular costs. Check whether you may qualify for government concessions or payments through Services Australia, as eligibility depends on your circumstances and Services Australia makes the final decision.