Do you ever check your bank balance, see money sitting there, then wonder where it all went a few days later? In this episode, our hosts unpack Tammy Barton's latest MyBudget article, revealing why your bank balance isn't always the best indicator of what you can actually afford to spend.
They explore the difference between your current balance and your real available balance, why so many Australians run out of money before payday, and how a lack of forward visibility, not a lack of discipline, is often the real problem. Our hosts also discuss Tammy's practical approach to calculating your true "safe-to-spend" money, helping you make confident spending decisions without second-guessing every purchase.
Along the way, they explain how MyBudget's unique 12-month budgeting approach gives clients a genuine available balance by accounting for bills, savings, debt repayments, and future expenses before money is spent. It's a simple shift in thinking that can reduce financial stress and help you feel back in control of your finances.
They also highlight the free resources linked in the article, including personal budget templates, budgeting tools, calculators, and practical guides designed to help you understand your cash flow and make smarter financial decisions.
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Visit mybudget.com.au to read the full article, access the free tools, and discover how MyBudget helps Australians confidently understand what they can safely spend.
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Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.What is MyMoney Hub: a podcast powered by MyBudget?
Money doesnโt have to be complicated, or stressful. In MyMoney Hub, our hosts take a MyBudget blog each episode and pull it apart: dissecting the key insights, sharing their highlights, and explaining how those lessons apply to real life. From budgeting for a baby to side hustles, Christmas spending to Buy Now Pay Later services, they make money talk practical, relatable, and easy to follow.
Every blog comes with free resources, like personal budget templates, savings calculators, step-by-step guides, and handy checklists, so you can put the advice into action straight away.
With over 25 yearsโ experience helping 130,000+ Australians, MyBudget knows what works. Tune in, take away the best tips, and see how MyBudget can help you pay off debt, grow savings, and live life free from money worries.