Money Buckets Bank Account System. FastDebtHelp.com.au
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1 Money Buckets Bank Account System FastDebtHelp.com.au
2 The 3 Bucket Bank Account System to get your money in order. Control your money The 3 Bucket Bank Account System is a simple system made up of 3 bank s used budgeting. We use this system to help people better control their money and know how much they have to spend Add all your income together and find your weekly or monthly totals. List all the expenses you pay out over the year. Then average them out weekly or tnightly depending on your pay cycle. Divide these expenses into regular Bills (loan repayments, utilities) and Weekly / Casual Spending (food, entertainment, clothes). See the Budget Sheet Fill in the table with your expenses in the relevant spaces in the table on Page 6. Calculate your subtotal regular Bills and Weekly Spending. Add your expense totals together to find your total weekly, tnightly or monthly spending. (Based on your pay cycle time frame) Take away your Total Expenses from your Total Income to find your surplus or deficit. Following is a typical budget a struggling family trying to make ends meet two adults and 2 children living in Sydney (2015). In this case they are completing a weekly budget. They are renting and have 1 car. 2 FastDebtHelp.com.au
3 INCOME Partner 1 weekly income (AFTER TAX) Partner 2 Weekly income (AFTER TAX) + Family Tax Benefit TOTAL WEEKLY INCOME REGULAR BILLS Rent Mortgage payments Rates Home maintenance Telephone mobile, home, internet, pay tv Electricity & gas Health insurance Car payments Car registration, insurance, maintenance Other insurances - School fees and expenses Child care Child support and maintenance payments Payments to Credit Cards and Loans Rental payments household goods Other regular bills Sub Total Expenses Regular varying WEEKLY EXPENSES Food and Groceries Entertainment - alcohol, cigarettes, books etc Medical/chemist Car fuel only (EG Petro or Diesel) Transport expenses Other expenses children i.e. sport, music, presents Clothes, shoes, hairdressers etc Incidentals Other household expenses Sub Total Expenses Weekly Spending TOTAL EXPENSES TOTAL INCOME LESS EXPENSES WEEKLY SURPLUS $880 $780 0 $48 $165 $70 $10 $10 $80 $220 $1043 $200 $50 $15 $70 $60 $50 $525 $1568 $1568 $ FastDebtHelp.com.au 3
4 All incomes goes into NUMBER 1 BANK ACCOUNT. Let s call it the Working Account. This is the that will pay the Bills. It needs to be able to transfer money to other people. It will pay the rent, your bills, car rego, insurance, servicing and tyres. Of course it won t pay that straight away, but over a year it will average out. From the NUMBER 1 BANK ACCOUNT you may transfer $525 (total weekly expenses) into NUMBER 2 BANK ACCOUNT weekly spending. Let s call this the Weekly Spending Account. This should have a direct Debit Card attached so you can spend this money on the run. This is food, fun, fuel, kids and clothes. If this runs out you stay at home and eat from what s in the cupboard. The NUMBER 3 BANK ACCOUNT is your Savings Account. You can put the Surplus Income from the Working Account into this. In this case it is $92 / week. If you earn extra overtime or have a pay rise you can put the extra in here. If you put $200 a week in here 5 years you would have over $50,000. A long way to a deposit on a house or good an emergency. Money Buckets WAGES/INCOME $1043 working rent, telephones, utilities, car, school, loans transfer to transfer to $525 $92 spending groceries, entertainment, clothes, fuel/transport, children incidentals savings emergency, house deposit, something nice 4 FastDebtHelp.com.au
5 Notes Your Money Buckets WAGES/INCOME $... $... working rent, telephones, utilities, car, school, loans transfer to transfer to $... $... spending groceries, entertainment, clothes, fuel/transport, children incidentals savings emergency, house deposit, something nice FastDebtHelp.com.au 5
6 Add your details INCOME Partner 1 weekly income (AFTER TAX) Partner 2 Weekly income (AFTER TAX) + Family Tax Benefit TOTAL WEEKLY INCOME $880 $780 YOUR NUMBERS Fill in the following table and make changes to suit you own personal situation. WORKING ACCOUNT Bill Payments Rent Mortgage payments Rates Home maintenance Telephone mobile, home, internet, pay tv Electricity & gas & water Health insurance Car payments Car registration, insurance, maintenance Other insurances - School fees and expenses Child care Child support and maintenance payments Payments to Credit Cards and Loans Rental payments household goods Other regular bills Sub Total Expenses Regular 0 $48 $165 $70 $10 $10 $80 $220 $1043 YOUR COSTS 6 FastDebtHelp.com.au
7 Add your details SPENDING EXPENSES Food and Groceries Entertainment - alcohol, cigarettes, books etc Medical/chemist Car fuel only (EG Petrol or Diesel) Transport expenses Other expenses children i.e. sport, music, presents Clothes, shoes, hairdressers etc Incidentals Other household expenses Sub Total Expenses Weekly Spending TOTAL EXPENSES TOTAL INCOME LESS EXPENSES WEEKLY SURPLUS $200 $50 $15 $70 $60 $50 $525 $1568 $1568 $92 YOUR COSTS YOUR NUMBERS So let s look at the things you can see from here. If you earn extra money and keep your living costs the same you can save money very quickly. If monies coming into the household barely cover expenses, and if one partner loses their job or any income drops, debts can quickly rise. A $200 drop in income per week adds up to $50,000 debt in 5 years. Think of the money that could be saved if you could get rid of credit card and loan debts. Smart budgeting will ensure you always have surplus to pay the bills, thus relieving stress and feeling trapped FastDebtHelp.com.au 7
8 If you find your budgets do not add up and your expenses are greater than your total income, then a debt agreement may be of great benefit to you. A debt agreement will drop your debt repayments to a manageable level bee they get out of hand. If you are in this situation, act now and call Fast Debt Help advice. We understand the problem We know the solution. We ve already helped thousands of people just like you. Stop worrying and start rebuilding. Reclaim Your Future Fast Debt Help info@fastdebthelp.com.au Fax number: New South Wales: Queensland: FastDebtHelp.com.au
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