Start by reviewing the last month of bank and card transactions, then separate essentials from subscriptions, takeaway meals and other costs you could reduce or pause. Plan a weekly dinner menu, compare supermarket prices, use leftovers and check whether cheaper energy, phone or insurance plans are available from providers. Set up an automatic transfer to a separate savings account on payday, even if the amount is small, and involve children in simple budgeting goals. For help with benefits or concessions, check your circumstances through servicesaustralia.gov.au and your state or territory government website.