Break down spending by category. Include loan and lease repayments under Transport or Debt as relevant.
Transportation
Car costs, public transport, and getting around.
Housing
Where you live: rent, mortgage, and running costs.
Food
Groceries and eating out.
Healthcare
Health insurance and medical costs.
Debt repayments
Regular repayments on borrowings (excluding mortgage).
Savings and investments
Money you set aside for the future. Use the Savings Calculator and Education Savings Calculator to plan goals.
Personal and lifestyle
Day-to-day spending on yourself and family.
Miscellaneous
Gifts, education, and other one-offs.
Holidays and travel
Trips, holidays, and travel (excluding daily transport).
