The Cheapskates Club
Money & Budgeting
Practical help to manage money with confidenceBudgets, bills, savings, debt, changing income and the tools to make every dollar work harder.
What are you looking for?
Choose the money problem you want to work on and go straight to useful resources.
Budgeting & Spending
Spending plans, tracking, household numbers and knowing where the money goes.
Bills & Household Costs
Organise bills first, review the big expenses and stop automatic costs quietly draining the budget.
Saving & Emergency Funds
Build cash buffers, prepare for irregular expenses and make saving part of the household system.
Debt & Getting Ahead
Reduce debt deliberately, decide what to tackle first and learn from real household budget renovations.
Income & Low-Cost Mode
Prepare for reduced income, job loss or a deliberate move to a one-income household.
Challenges & Trackers
Use a structured challenge or worksheet when you need a reason to stop reading and start doing.
A good place to begin
Start Here
Four foundation resources for members who want to get their household money organised before doing anything more complicated.
Household Budgeting Basics
Build the basic spending plan: income, regular expenses, yearly costs and the extras that otherwise catch you out.
Start here →Bill Paying System
Organise bills, match them to paydays and know what is due, paid and still outstanding.
Set up the system →Build an Emergency Fund
Start building the cash buffer that keeps an unexpected expense from becoming a financial crisis.
Build the buffer →Choose Debt Freedom
Turn “I want to be debt free” into a direction for the household and the decisions you make with money.
Read the article →New, updated & useful now
Current Money Help
Keep this section short and rotate it as new money resources are added to the Member Hub.
Big Bills Before Little Bills
Audit the five big recurring household expenses before squeezing another few dollars out of groceries.
Read the article →Ready for Tomorrow
Know your normal and minimum household numbers, build buffers and prepare for changing circumstances.
Continue the program →2026 Inflation Reset
Practical ways to reduce the household's dependence on constantly rising convenience costs.
Open the resource →Latest Tips 2026
See the newest money, time and energy-saving ideas being added to Cheapskates.
See latest tips →Put the ideas into practice
Programs & Challenges
Keep the major money programs visible here, while the full Programs & Challenges page holds the complete archive.
10 Cent a Day Saving Challenge
Notice the value of small, repeatable saving choices and give the money you save a job.
Open challenge →No Spending Month
Reset spending habits, use what you have and learn where unnecessary spending creeps in.
Open challenge →2026 Inflation Reset
Respond to higher household costs with practical Cheapskates systems rather than panic.
Open program →All Programs & Challenges
Browse the complete current and archived challenge collection.
View all →The deeper library
Browse the Full Money Collections
The index helps members find the right doorway; the specialist archive pages hold the long lists.
Articles & Stories
Use these when you want the complete money article collections rather than the curated links above.
Budgeting & Money Management →Debt Free & Cashed Up →Saving Stories →Tip Sheets & Worksheets
Downloadable tools for saving, budgeting, debt, emergencies and household spending.
Money, Budgeting & Debt Tip Sheets →Simple Monthly Spending Plan →Slash Expenses Worksheet →Core Cheapskates Systems
Practical systems and real-life resources members are likely to return to repeatedly.
Bill Paying System →Budget Renovations →Programs & Challenges →