Tools and Apps
Personal finance management websites and tools can help you save time and effort when tracking and managing your expenses.
Free Budgeting Apps and Tools:
- MoneySmart – ASIC’s free financial guidance on budgeting
- Frollo - Budgeting Smartphone App for tracking bills
- National Debt Hotline – Victorian Government’s 24/7 financial counselling service
Beyond apps, you can use these methods to track your spending:
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- Excel (budgeting templates)
- Pen down weekly expenses on paper or in a notebook
