{
  "id": "resources/downloadables",
  "title": "Downloadables",
  "slug": "resources/downloadables",
  "description": "# Downloadables\n\nFree templates, guides, and resources you can download and use today. No sign-up wall, no credit card, no fine print.\n\nIf you decide you'd rather have someone else run your plan for y...",
  "category": "",
  "content": "# Downloadables\n\nFree templates, guides, and resources you can download and use today. No sign-up wall, no credit card, no fine print.\n\nIf you decide you'd rather have someone else run your plan for you, the [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/) is always the next step.\n\n## Budget templates and spreadsheets\n\nReady-to-use budget templates so you don't have to build one from scratch.\n\n- **Personal Budget Template (Excel)** — the classic. Track income, expenses, bills, savings, and everyday spending. Customisable to your situation.\n- **Home Budget Template** — designed for household finances with room for two incomes, family expenses, and shared savings goals.\n- **Monthly Budget Spreadsheet** — pre-formatted for one calendar month at a time. Good starting point if you're new to budgeting.\n- **Fortnightly Budget Template** — because most Australian pay cycles are fortnightly, and monthly templates always leave you a bit off-rhythm.\n\nAccess all budget templates at the [MyBudget Money Tools Hub](https://www.mybudget.com.au/resources/).\n\n## Worksheets and checklists\n\nPrint them out, fill them in, tape them to the fridge if that helps.\n\n- **Debt Snowball Worksheet** — list your debts, order them by strategy, track progress as you clear them\n- **Emergency Fund Checklist** — the step-by-step version of building your first meaningful savings buffer\n- **First Appointment Checklist** — what to bring, what to think about, and what to ask, whether you're coming to MyBudget or another provider\n- **Bill Priority Worksheet** — when everything is due and you can't pay it all, how to decide what pays first (spoiler: it's not always the loudest creditor)\n\n## Downloadable guides and eBooks\n\nLonger-form reads for when you want to dig in properly.\n\n- **Personal Budgeting 101** — the beginner's guide to actually making a budget stick\n- **How to Get Out of Debt** — three real strategies and how to choose between them\n- **Meal Planning on a Budget** — one of the highest-impact everyday savings you can make with almost no effort\n- **How to Save for a Home Deposit** — a realistic timeline and the levers that speed it up\n- **Understanding Your Credit File** — what's on it, who sees it, and how to improve it\n\n## Calculators (interactive)\n\nCalculators aren't downloads, but they're free tools you can use in the browser as often as you like:\n\n- [Savings Calculator](/calculators/savings-calculator/) — how much per week, factoring in compound interest\n- [Home Loan Calculator](/calculators/home-loan-calculator/) — extra repayments, refinance modelling, and total interest\n- [Personal Loan Calculator](/calculators/personal-loan-calculator/) — repayments, total interest, and the consolidation caveat\n- [Income Tax Calculator](/calculators/income-tax-calculator/) — take-home pay after tax and Medicare levy\n\n## Podcast: MyMoney MyStory\n\nReal Australians, real financial stories. Available on every major streaming platform. Recent episodes feature MyBudget clients like:\n\n- **Michelle and Phil** — how they paid off $40,000 in debt and saved their marriage. See [their story](/trust/client-success-stories/michelle-and-phil/).\n- **Kylie and Scott** — Episode 9, *\"Getting back on your feet financially,\"* covering 18 years of MyBudget through crisis and recovery. See [their story](/trust/client-success-stories/kylie-and-scott/).\n\n## MyBudget MoneyHub\n\nBeyond templates and downloads, the [MyBudget MoneyHub](https://www.mybudget.com.au/moneyhub/) hosts hundreds of articles on:\n\n- Budgeting strategies for different life stages\n- Debt reduction tactics\n- Savings and investment planning\n- Understanding financial products\n- Real client stories and outcomes\n- Video content and podcast episodes\n\nEverything is free to read.\n\n## The honest bit\n\nTemplates and calculators are useful — you should use them. But they have the same limitation every DIY tool has: they need you to keep running them.\n\nIf you've downloaded budgeting templates before and abandoned them, that's not a personal failing. It's a design failing of the tool. Templates don't:\n\n- Move money before you can spend it\n- Negotiate with your creditors\n- Call you when the plan needs adjusting\n- Keep the plan running when life gets busy\n\nThat is what a MyBudget Money Coach and the MyBudget platform do together. If the templates keep failing, that's the signal to have a free conversation.\n\n- Book a [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/)\n- Or keep going with the templates — no offence taken\n\n## Related pages\n\n- [FAQ](/resources/faq/) — plain-English answers to the questions we get most often\n- [Glossary](/resources/glossary/) — money terminology, translated\n- [The MyBudget Method](/trust/the-mybudget-method/) — how MyBudget picks up where templates leave off\n- [Client success stories](/trust/client-success-stories/) — real outcomes from real Australians\n",
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  "metadata": {},
  "publishedAt": "2026-07-17T04:04:13.454770+00:00Z",
  "tags": [],
  "workspaceId": "fd95e1d3-9064-4f51-89f5-3d0261fe556f",
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