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Free eBooks & eAudiobooks

If you don’t have time or money to go and buy books, go to the website of your local library and find the ebook link to download the associated app on your mobile device, search thousands of books to listen to or read during your day or night.

[banksiaj-blog]

Make your own sports player cards for your kids sports team, add the player photo, club logo and names, change the team colours. Print the publisher file on thicker paper eg. 300gsm, using the multiple copies per sheet setting. Alternatively, you can print to pdf first to do a test print on regular paper to ensure the front and back align. 

[banksiaj-blog]

Where to start your budget?

To start a budget, we first need to know where we are spending our money. 

Start with your bank account, we can log into our bank to search and download our transactions to a .csv file that we can then open as an excel spreadsheet.

From there we can then categorise our transactions to different sub categories, starting with living expenses for example mortgage and loans, utility bills, insurances, groceries, transport, then categories such as medical, entertainment, internet and phone and all the other daily, monthly and yearly expenses. 

https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner

After we have categorised our spending we can then calculate the percentage of our income that each category requires to maintain that expense, the calculated percentage is the figure of our regular income that needs to be transferred to the designated account for that category. 

That is open multiple accounts for around 6 major categories for example a bill account, grocery/food/transport account, entertainment/spend account, emergency/saver account, investing account, holiday/big item saver account. Once this is all done, every pay day that comes around we transfer the specific percentage from our pay into the specific accounts. 

If the total combined amounts exceed your income, then sacrifices need to be made to ensure we are not spending more than we are earning. 

This entire process is far from easy, but good things should never be easy.