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These 3 budgets actually work (easy steps)

Learn how to build a realistic, sustainable budget using three popular strategies, including the 50/30/20 rule, a free budgeting spreadsheet, and the PocketSmith app.

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About this episode

In this Australian Finance Podcast episode, your host Owen Rask shares three budgeting strategies that actually work, so you can take control of your money without giving up the things you love. In this short but powerful episode, you’ll learn:

  • Why budgeting isn’t about sacrifice
  • The importance of value-aligned spending
  • How to use the 50/30/20 budget as a beginner
  • How to make budgeting easier with free tools and apps

If you like this Australian Finance Podcast episode on budgeting, you’ll love our series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Topics Covered

  • Why most people struggle with budgeting
  • Rethinking budgeting: It’s not about sacrifice
  • The 10 things activity: What brings you joy?
  • Strategy 1: The 50/30/20 budget
  • Strategy 2: Use our free budgeting spreadsheet
  • Strategy 3: PocketSmith – the advanced budgeting app
  • Final thoughts & tools that can help

Episode resources

Podcast series resources

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💸 PocketSmith, a productivity booster for your money.

PocketSmith is not just a budgeting app, it’s an advanced tool that connects to nearly every bank worldwide. Basically, it’s a productivity booster for your money. With PocketSmith, you can organise your money your way and even collaborate with your household and advisors.

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Information warning: The information on this website and in our podcasts is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) before making a decision to acquire a financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide before using this website.

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