Family Money Saving Budget Tips

Being that the end of financial year is approaching and Christmas is now less than 6 months away, it seems the right time of year to share with you some of my top budget tips. Juggling finances can be difficult, especially with kids. It sadly can result in stress, guilt, envy and disappointment, which my affect your health or relationships. I want to help you reduce your living expenses and change the way you spend your money so that you can reach your financial goals.


I have created a series of blog posts that will publish over the next month. This will help you understand how you spend your money, how to save and reduce your living expenses, make your debts more manageable and save for your next holiday or something that will make you happy! I hope you can follow along.

Continue reading for a FREE My Financial Goals Printable, plus please let me know in the comments what you would like to learn throughout the budget series. 


The Family Money Saving Budget Tips Series starts on the blog tomorrow. FREE for you to follow along. Visit the blog each day to see the latest blog post, or join my daily Todays 2Do emails where you will receive a convenient link to the latest posts.  By signing up to the Todays 2Do emails where you will receive this ‘My Financial Goals’ printable for FREE, plus a few other bonus printables in the series!

Use this printable to help you work out your goals, what your motivation is to achieve it and the steps you need to take to get there.

If you have already subscribed to the Todays 2Do emails, please see today’s email to download your bonus printable.


Perhaps you ask, who is Kat to give advice? I’m not a financial exper, my tips aren’t proven and not guaranteed. However, I am a mum who has 3 kids (now 14, 14 and 12) and lived on a single income for a number of years when the kids were younger. I started budgeting once we went onto one wage. I must admit, I do a happy dance when I spend less than what I budgeted for and this amount can then go into our savings! It’s like being in competition with yourself. Now I’m a sharer

I’m a sharer… so here is my financial story, I’m being very open here.

Growing up I didn’t receive pocket money and was not taught how to manage my money. I soon learnt that it was only up to me, I was the only one in control and the only one that could help make my financial goals happen (once married, it was then up to the both of us).

Scotty and I were married at 21, we both worked full time. 6 months after our wedding we had saved enough money (no financial help from our family) for a deposit to purchase our first home.  The main reason why we were capable of doing this is because we were strict on the spending for our wedding and honeymoon, we didn’t eat out, we ate simply to stick to our grocery budget, we had minimal furniture and I only had enough clothes for a week similar to a capsule style wardrobe.

I fell pregnant at 24 with twins. Long story very, very short (for another time) – I had to stop work when I was 12 weeks pregnant to look after my precious cargo. It’s from here that I learnt all about the necessity of budgeting.  Because of this we were able to save and build our next home.

We welcomed baby number 3 two years after the twins were born. I continued to be cautious with our spending and I found food was the biggest area that we could easily overspend if I didn’t keep track. We didn’t go on any family holidays as our goal was to always do that when the kids were older and could remember the experience. Our savings goal was then to pay off the cars and house so we could then one day move to something bigger.

The year my youngest started school I wanted to continue to be a stay-at-home mum as I was volunteering at the school. To fill my time while the kids were at school I created a little business selling kids’ artwork that I painted. I spent 3 days painting one canvas and sold it for $20. My hubby (who is an accountant and understands the value of time and product) said I should stop as it wasn’t worth my time. But I struggled to sit at home and do nothing… The house was clean and tidy, I had baked for kids’ afternoon tea and I was bored. A week later, I started this blog, The Organised Housewife, purely to pass time and share some recipes and printables with my friends. The first 6 months I was paying for all the expenses out of my family savings which wasn’t ideal so I found advertisers and sponsors. 7 years later I am very proud that I have built this blog into my full time business as I absolutely love sharing my real life tips.  Just over 18 months ago we sold the house we built and moved into that ‘something bigger’ that we had been saving for.

Now I have to admit, I do like to have coffees out with friends and I have a serious addiction to purchasing new quilts for the beds in our home, but it all fits within the budget. I don’t spend money on cleaning supplies, choose green when I can (ie. borrow books from the library rather than purchasing), meal plan to ensure we meet our grocery budget each month, don’t eat out regularly, pay bills on time so we don’t pay overdue fees, purchase my clothes from Kmart or Crossroads and I’ve learnt to stop impulse buying.

Our current savings goal is for a big family holiday to Disneyland and, now the kids are older, this is the perfect time!

What would you like to learn throughout the Budget series?


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Juli June 26, 2017 - 6:48 AM

I am interested to know if you paid private school fees during this time and were able to fit thIs in the budget? It’s one of our biggest expenses.

Katrina - The Organised Housewife June 26, 2017 - 9:32 AM

My kids started their schooling at a public school. A few years ago I set a savings goal so I could send them to a private school when the twins started high school. We managed to save, no family holidays, being frugal and a second income helped.

Jade June 26, 2017 - 6:50 AM

I really just enjoyed reading about your budgeting and saving and look forward to reading the series. I have two small children and have really been trying to stick to a budget. Mu husband and I are trying to save for a house and I too want to take my children to Disneyland once they are a little older.
Thank you for sharing

Katrina - The Organised Housewife June 26, 2017 - 9:39 AM

I think you will enjoy the series Jade, just a few little tips may be able to help you get to your Disneyland holiday!

Cathy June 26, 2017 - 8:08 AM

My favourite tip would be to think of a budget as your friend. It shows you how you can have what you want or need.
Too often a budget is seen as something that deprives you of things but the fact is it is quite the reverse.

Katrina - The Organised Housewife June 26, 2017 - 9:39 AM

Your right Cathy, it there to help you achieve!!

Trish June 26, 2017 - 10:20 AM

Having a goal to work towards, ours is a bigger caravan makes budgeting exciting knowing some small changes and choices can get you there.

Katrina - The Organised Housewife June 26, 2017 - 11:53 AM

Love that you have a goal and something to work towards, do you have a picture of it up for motivation?

Louise June 26, 2017 - 10:20 AM

We have a large family (7 kids) and as of next year 3 will be in private school. How do you cut back on groceries? We spend so much on food! I finish up my job next week because a couple of our kids have special needs, so we will be back to one income!

Katrina - The Organised Housewife June 26, 2017 - 4:17 PM

I’m sharing details about this in the series, however for me it’s all about meal planning and only buying what’s on the grocery list.

Rach June 26, 2017 - 1:27 PM

I have no idea how to budget. I work part time and am a single Mum.
I would appreciate ANY help

Katrina - The Organised Housewife June 26, 2017 - 4:18 PM

Hopefully you’ll find some handy tips throughout the series to help you create the budget and reduce your expenses 🙂

Michelle June 26, 2017 - 3:42 PM

Hi Kat, I am a mum 6 kids 17 down to 4 and am are a stay at home mum. I have an fantastic budget but just cannot stick to it. I impulse buy at the supermarket, I do menu plan, but still buy extra because it is on sale and go in to buy $100 and come out with $200. I manage all bills on a fortnightly breakup and have a separate account for that, we don’t eat out as our kids have allergies. So in a nutshell, my food bill is where I would blow out each fortnight or just the simple impulse buys, clothes, shoes or other items, but 99% of the time it is on sale… what would you suggest. I get money into the savings account and within days of pay it is nearly all gone and doesn’t build up. Many Thanks Michelle

Lindsey June 26, 2017 - 5:42 PM

I can make up a budget spreadsheet, I use several bank accounts to put away money for Christmas/birthdays, school expenses, quarterly bills etc, I meal plan. But what I struggle with is an easy way to track spending to make sure we are on budget. I have tried a few different computer/bank associated programs several years ago but they were really time consuming and with 4 young children, time is not an abundant commodity. Would love some ideas on easy quick ways to track spending.

Katrina - The Organised Housewife June 27, 2017 - 9:27 AM

Hi Lindsey, check out today’s blog post and see if my Budget Spreadsheet may help you 🙂

Sue June 26, 2017 - 8:15 PM

I would love some tips on software to help budget ahead so that I know I have enough money for the water bill in 6 months time. Also a way to build in some savings for a holiday. As a single Mum with no financial help I would really appreciate any hints and tips on how other people get ahead financially.

JEANETTE July 1, 2017 - 9:44 AM

Sue I think a lot of utility companies will let you pay your bills in could then pay a small amount each month rather than waiting for the bill to come six months down the track
If you are single mum in Australia you should be receiving Family Tax Benefits and you probably also qualify for a concession card which helps. Be proud of yourself also for financially supporting yourself and your kids …you are being a great example to them

Roma June 26, 2017 - 9:57 PM

Thanks in advance for the upcoming series. Budgeting is the thing I struggle with, especially in grocery budget. Looking forward for tips on that. Also, do u really budget for medical expenses , which are often unpredictable. I would be happy to hear tips on it too..

Sherelle Lock June 27, 2017 - 9:19 AM

I’d love to know of any Mac programs which are easy to use for budgeting. I have a book but I forget to put things in whereas I think if it was on my computer i’d use it more readily!

Aleesha June 27, 2017 - 10:27 AM

This series couldn’t come at a better time for me.. We have no consistency with our ‘budgeting’ and sometimes struggle to work out where the money has gone. We have so many ‘regular’ expenses (school and dancing fees, after school care, bills and repayments) and I want to be able to dedicate an achievable savings and spending amount from our pays each fortnight that we can stick to! I look forward to hearing more about your budget journey Kat, and picking up some tips along the way x

Helen Gordon June 27, 2017 - 1:21 PM

Can I ask that you also mention to people who are struggling financially due to an unforeseen event that they can get assistance through the Government Funded FREE , independent Financial Counselling Service that is available in each state . They can assist when things go bad and even a good budget won’t help .

sonic July 2, 2017 - 9:12 AM

fantastic information

Nichole June 27, 2017 - 3:41 PM

Love to know how to break a spending habit

NofBNE July 7, 2017 - 8:53 PM

My solution has been to not go near the shops!

sonic May 2, 2019 - 9:46 PM

same same .. stay away from the shops!!
I found a supermarket that’s not in a large shopping centre helps not to distract me from the necessity shopping


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