Quick Wins You Can Start Today
The 50/30/20 Business Rule
Allocate 50% to essentials, 30% to growth, 20% to cash reserves. Adjust the ratios, but keep the structure.
Weekly Money Meetings
Spend 15 minutes each Monday reviewing last week's actuals versus budget. Catch problems while they're still small.
The Three-Month Buffer
Build your budget with a rolling three-month view. Beyond that gets fuzzy anyway, especially in Australia's changing economy.
Separate Buckets
Keep GST money in a separate account. Treat it like it's already gone, because it is. Same goes for tax provisions.