SMH Money 15th September 2015
To avoid last-minute panics on rent day, or when bills arrive, get organised early.
Adding up all your likely expenses, including other costs such as car registration, then dividing them by 52, is one way to figure out how much you'll need to set aside each week.
Peter Horsfield recommends establishing an account with a buffer amount, then topping it up weekly, fortnightly or monthly from your salary.
"From this operating account establish a direct debit to pay your regular bills," he says.
"Doing this automation frees up your time, reduces your stress and can help you keep focused on other more important areas of your life."
Read more: http://www.smh.com.au/money/borrowing