Home › Budget Planner for Aussie Mums
Budget Planner for Aussie Mums
A budget planner for busy Aussie mums: school costs, groceries, kids' activities and Christmas, planned by payday.
Five minutes each payday is all it takes. Plan school, sport, birthdays and Christmas as sinking funds so they never land on the card. See sinking funds.
The costs that catch mums out
| Cost | When it hits | Plan it as |
|---|---|---|
| School uniforms, shoes, books | Late Jan | Sinking fund from Oct |
| Sport registrations | Start of season | Sinking fund |
| Birthday parties and presents | All year | Monthly gift fund |
| Christmas | December | Fortnightly Christmas fund |
| School holidays | 4 times a year | Holiday activity fund |
Example: a mum's fortnightly sinking funds
| Fund | Example yearly cost | Per fortnight |
|---|---|---|
| School | A$1,040 | A$40 |
| Kids' sport | A$520 | A$20 |
| Birthdays | A$390 | A$15 |
| Christmas | A$1,300 | A$50 |
Example figures only, for illustration. Use your own numbers.
Make it fit a busy week
- Automate transfers on payday.
- Use one notes page or app for gift ideas.
- Five-minute check-in every payday, not daily tracking.
Related: back to school costs, emergency fund.
General information only, not financial or tax advice.
How do mums budget for school costs?
Set up a school sinking fund and save a small amount each payday from late in the year.
How much time does budgeting take?
About five minutes each payday once it's set up.
Can I track kids' birthdays and Christmas too?
Yes, as separate funds or with the Christmas & Events Money Planner.
Related
Fortnightly Budget Spreadsheet · Slate Money HQ app · Budget Planner Bundle · Free Mini Paycheck Budget
Try it in an app
Baby Budget Planner (A$25, one-off): Plan the one-off baby buys, the ongoing costs, and your budget while on parental leave.
Back-to-School Planner (A$19, one-off): Every kid’s list, estimated vs actual cost, a shopping checklist and how much to put aside each pay.