- Start a budget;
- Take care of your home and your basic needs first. food first;
- Remove all debt including after pay, except your mortgage. Sell belongings if you need too, or get a temporary job;
- Start spending less than you earn;
- Look for things you can do without;
- Save for big purchases and do not put them on credit; and
- Build up an emergency fund account for those rainy days which is ideally at least 3 months of your take home pay.
https://moneysmart.gov.au/budgeting
https://makeworkoptional.com.au/contact-us/
