Are you someone who has no idea where all your money goes? As soon as it comes in it goes back out again. Are you counting down to next payday or asking for an advance in your pay? 

Do you try to save and get ahead, but then your child gets sick, or you get a speeding ticket or your rego is due? Next thing you know, you are back at square one again.

Do you just dream of saving for a newer car, a holiday, a house deposit? 

This can be tough when you do not have a budget in place and are not in control of your finances. But I promise this is easier to do then you think!