Website for budget tips
The New Zealand Federation of Family Budgeting Services has helpful information available on their website www.familybudgeting.org.nz Numerous tidbits of advice and budgeting tools are listed amongst this information, which is an excellent starting point for those who want/ need help with their budgets. Not only does this help to identify what expenses households have but also helps the homeowner to plan how these can be accounted for out of the incoming household wage packet. The budget worksheet is the best place to begin for most people. The first time you fill out your budget worksheet you may estimate some amounts. Use this first draft to give you a picture of your current financial situation. Once your budget worksheet is balanced or showing a surplus, you can begin to work on the next step, which is the cash flow. The cash flow may be daunting to begin with but is a very powerful tool in helping you toward your financial goals. The Great Little Cookbook is a downloadable book fill of helpful ideas, menu planners and recipes to help with cutting costs and saving money, while ensuring the family remains happily and healthily fed.