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How to set up you need a budget6/17/2023 If it’s a range of smaller costs that are piling up, give yourself some guidelines for spending in the future. If there’s one large cost that means you’re unable to meet your bills and essentials, see if you can find a cheaper alternative. Through CommBank’s Spend Tracker your CommBank debit and credit card transactions are automatically categorised, this can help you identify any areas where you may be overspending. Is there one particular item that’s bumping up your expenses or is it a range of smaller costs? Notice which costs occur irregularly such as a bigger heating bill at winter or extra spending on groceries or retail at Christmas. Go through your transaction statements for the last three, six or 12 months to see how much of a gap there is between how much you earn and how much you spend.
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