Budgeting and shopping

Whether you're saving for something you want or paying bills, make the most of the money you have by making the right decisions.

Making a budget

Making a budget can help you to work out:

  • what you spend your money on
  • whether your money is going towards essential items (like food and rent).


Saving money

Use the savings goals calculator to find out how:

  • to save money to buy something
  • long it will take to save for your goals.

For more information on how to save money, you may like to get some free banking and financial advice.

Using book-up

Book-up is when you get food or other items from a shop, but you pay for them later.
Find out how to book up safely and how to avoid dangers like being charged too much.


Op shops

Op shops are run by charities and community organisations. Low-income earners can shop for new and second-hand clothing, furniture and other household items at discounted prices.

Food vouchers and other help

Charities and community organisations may be able to provide emergency support, including:

  • food vouchers
  • paying part of your utilities bills such as electricity, gas or water
  • help with rent, accommodation, clothing and budgeting.

To access some of these services in Queensland, contact:

Managing your bills

Access free banking and financial advice to help manage your bills and money.
Helpful information