# Budgeting

> Find a starting point for your budget, then make it fit your pay and spending.

Canonical HTML: https://getclova.com/blog/topic/budgeting

Start with making a budget if you want the whole picture. Use a method guide to compare ways of organising your money, or a pay-timing guide to work through bills that arrive between paydays.

## Read by topic

- [Budgeting](https://getclova.com/blog/topic/budgeting)

## Start here

- [How to budget for the school year](https://getclova.com/blog/family-budget): School costs don't arrive evenly, and the biggest ones tend to land together in summer. Here's how to see them coming and have the money ready for each bill.

## Guides

- [How to pay off a credit card in Australia](https://getclova.com/blog/pay-off-credit-card): Why a credit card balance barely moves on the minimum, what a steady payment changes, and how to choose one you can keep, with a payoff calculator.

- [The 50/30/20 rule in Australia](https://getclova.com/blog/50-30-20-rule): The 50/30/20 rule splits take-home pay into 50% needs, 30% wants and 20% savings. Here's how it works, what counts as what, and what it looks like on a real Australian week of costs in 2026.

## Try a tool

Free to use, with no account required. Financial assumptions stay in your browser.

- [50/30/20 calculator](https://getclova.com/tools/50-30-20-calculator): See how your take-home pay splits into needs, wants and savings, then adjust it to fit.

- [Credit card payoff calculator](https://getclova.com/tools/credit-card-payoff-calculator): See how long it could take to clear your card and what a different payment changes.

[Search guides and tools on the HTML hub](https://getclova.com/blog/topic/budgeting).