Budgeting made easy with moneysmart Financial Management

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Budgeting is defined as a financial plan and a list of all planned expenses and revenues. It is a plan for saving, borrowing and spending. Do you know what your budget for the upcoming financial year is? Do you even know what you need to do to prevent ‘the very end of the month salty crack snack’ scenario from occurring? I bet you it happens every month… doesn’t it? If you think that being broke just before pay day is normal, it isn’t. We’ve just become indoctrinated to believing this with the ‘Look-all-my-friends-are-broke-too’ groupthink. With the moneysmart service, Web AddiCT(s); sponsor, budgeting and financial management has become free and secure.

budgeting
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Up until a few months ago I had no idea what I spent on household items, groceries and eating out/in. I felt that this was where most of my cash went but at the same time had no idea exactly how much. One of the stores I do regular grocery shopping at was offering some added incentives (read discounts) on using their store card which happened to be a VISA credit card too. I did the calculations and worked out that having one of these credit cards (which I’d use exclusively for food and groceries) with which I pay the full amount owing every month (therefore paying zero interest) and receive further discounts & vouchers on my household items would give me a better idea of my ‘food’ budget. The discounts/vouchers I’d receive monthly outweigh the monthly cost of using the card.  Score. I now know exactly what my monthly food expenses are and this allows me to budget more accurately. In most cases doing this wouldn’t make any sense, can you imagine having a credit card for every type of expense? Luckily we now have the moneysmart service which allows us to improve our financial management/budgeting.

moneysmart provides an innovative approach to aggregating all bank accounts, credit cards & fuel cards into a single dashboard online. Key features of the platform include Available Cash, Categorising Transactions, Setting a Budget, Creating a Goal and Engaging with experts via an Online Financial Community.

“The key to financial freedom is to start shifting control to yourself and by taking ownership of the life you want to live. Knowledge is the new currency – empower yourself and start investing today,” – moneysmart co-founder Zulfiq Isaacs.

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