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What is Money Buckets?

Money Buckets is an online Portal for your Finances.

Whatever you financial needs are going to be, you will probably need to start with a Money Buckets Budget.

You can create, save and edit your personal needs and small business plans.

See if you need help clearing debt.

Plan to have the Lifestyle you want without uncontrollable Debt.

You can even set a budget to start saving for your first home.

Or - see if you can already afford a home loan.

What would a Debt Consolidation into my Home Loan look like?

Is there a plan to be out of Debt sooner?

The small business budget and cash flow is particularly good if you are thinking of starting a business or working for yourself. See what your tax and GST implications might be.

Check what the first year or two in business might look like.

There are no limits to how many budgets you can create.

You can even copy existing budgets and make modifications to compare different scenarios.

Money Buckets is completely free to use and is securely encrypted to make sure your data is safe.

We recommend you save your budgets and come back at regular intervals to update them as the need arises. When you save your budget it is securely password protected for your piece of mind.

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Control Your Money in just 4 Easy Steps

Step 1

Gather details for your bills, expenses and income. Don't worry if you miss some initially, you can always come back and add them later

Step 2

Enter your details on this website

Step 3

Click Calculate and have Money Buckets work out exactly what amounts should be put in each of your 3 accounts each week

Step 4

If you need help, call us

1800 825 010 for Debt Problems

Ready to get started? Create your FREE Budget NOW

Why Have a Budget?

Most people don't realise just how much they spend. It's really easy to blow a few hundred dollars on a night out; dinner, drinks, cigarettes. Even buying a couple of cups of coffee per day and lunch can add up quickly without you really knowing.

We all enjoy some of these things, so a budget is not about never doing these things, but rather it's about allocating an amount we can actually afford to spend on them while still staying within our budget.

A budget is just a plan to get you where you want to go

For many people their plan is to buy a family home, for other it might be to travel or to support family overseas.

On an average income you can't do it all at once. People come to us thinking they would like to buy a home but due to their debts they are not in a position to save for a deposit or pay off a home loan. Having to clear built up debt may put them 10 years behind being able to buy a home.

If you are serious about saving to buy your own home you need to have a budget

Let's run some numbers to see how budgeting for a home loan works

For our example we'll look at purchasing a property worth $700,000. You are going to need a deposit and legal fees which would be around $70,000. The loan repayments, water rates and home maintenance are going to be around $850 per week (based on 2017 interest rates)

If you are currently paying $450 per week rent, that means your costs are going to be $400 per week more.

So let's do your budget so that you put that extra $400 per week into savings. If you cannot live on what's left of your pay for 3 or 4 years, as you save, then you cannot afford to make the payments on a home loan. But! If you can, you will have your deposit together in under 4 years and will have demonstrated your ability to live with a home loan.

This is the exact thing a bank will look at when assessing your eligibility for a home loan

Have you demonstrated the ability to do this? They call this genuine savings.

If a couple has a good credit rating and no other debt, they would need a combined income of around $110,000 to do this relatively comfortably.

When you do your budget in Money Buckets, add your rent, surplus and other loan payments together to see what you have available to make a home loan payment, if you had no other debts.

We break your budget into weekly, fortnightly, or monthly spending money and regular bill money so that you get an idea what you can actually spend. Try and work the budget plan the same as your pay cycle so you can allocate it every pay day..

If you start out too tight and find it's not liveable you can always go back to your budget on this website and adjust it.

But if you are using real numbers and there is not enough money, something must change in what you are doing or the debts and interest will just keep building up until everything eventually falls over.

If you find yourself in this situation, or you are already in this situation you can always call Fast Debt Help on 1800 852 010 for your options.

If you find yourself in a surplus position and would like to talk about a home loan, call 1800 852 010 and ask for Starlight Home Loans

Learn more