![A family having a great time celebrating Christmas on a budget](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%284%29-3.png)
Budgeting and saving
3 Budget friendly tips to help save on Christmas
Discover three budget-friendly tips to save on Christmas celebrations. Create memorable holidays without overspending.
![A guy pointing at Finder awards and Beforepay logo](https://blog.beforepay.com.au/hubfs/Frame%20247-1.png)
Budgeting and saving
Beforepay named as one of the finalists in Finder's 2024 Innovation Awards for 2 categories
Beforepay finished among the top brands in the online customer service and lending innovation categories at this year's awards.
![Wrapped gifts under $50](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%282%29-2.png)
Budgeting and saving
Gift ideas under $50
Discover affordable gift ideas under $50 for children, partners, friends, and family that are thoughtful for any occasion.
![Travelling on holiday with a tour](https://blog.beforepay.com.au/hubfs/jeff-smith-djfewGmvWMg-unsplash-1.jpg)
Budgeting and saving
Is it cheaper to travel independently or join a tour?
Understand the differences between travelling alone or joining a tour, when planning their holiday. Discover which option is better for your needs and preferences.
![A man planning his holiday around his holiday budget, taking into consideration the cost of accomodation, transport and food.](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%282%29-1.png)
Managing my finances
Budgeting and saving
Your guide to planning a holiday on a budget
Learn how to plan your holiday based on the budget you’ve set aside. Understand where you can save and explore strategies to find better deals. Discover tips on saving money on necessities so you can enjoy your holiday without worrying about your budget.
![A detailed image of a financial savings plan being created, including setting goals, assessing financial situation, and dividing income into categories like needs, wants, and savings.](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER-1.jpg)
Managing my finances
Budgeting and saving
How to create a savings plan that works for you
Learn how to create a savings plan that works for you by setting clear financial goals, assessing your current situation, and managing your income. Discover a solid strategy that will guide you towards financial stability and help you achieve your goals.
![Jars of savings with labels housing, savings and medical](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%2813%29.png)
Managing my finances
Budgeting and saving
How to save money: 36 tips you could try to build your savings
Learn 36 practical ways for how to save money to help you boost your savings. From tracking expenses to negotiating bills, this article covers it all!
![A hat and clothes in a suitcase for a cheap holiday](https://blog.beforepay.com.au/hubfs/How%20to%20keep%20holiday%20cheap.png)
Budgeting and saving
8 ways to keep your holidays cheap and budget-friendly
Explore 8 easy ways to keep your holiday budget-friendly! From smart spending to local eats, enjoy your vacation without the financial stress.
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Budgeting and saving
Ways to boost your financial independence
March 2024 Beforepay Beat highlights: Learn about debunking common homeownership myths and steps to help you increase your salary.
![The Beforepay Beat newsletter logo](https://blog.beforepay.com.au/hubfs/Beforepay%20Beat%201.png)
Budgeting and saving
Self-care and Valentine's Day on a budget
February 2024 Beforepay Beat highlights: Learn how to spot a romance scammer and self-care and financial independence on a budget.
![A man and a woman on an affordable Valentine's Day Date at the park](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%281%29-2.png)
Budgeting and saving
Affordable Valentine's Day ideas under $50
Discover budget-friendly ways to spend Valentine's Day with these affordable ideas! From picnics to stargazing, celebrate love without breaking the bank.
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Budgeting and saving
Kickstart your 2024 with financial resolutions
January 2024 Beforepay Beat highlights: Learn budgeting hacks for back to school and cheap holiday hacks to keep your wallet happy.
![Person saving money using a piggy bank](https://blog.beforepay.com.au/hubfs/How%20to%20save%20on%20a%20low%20income-1.png)
Managing my finances
Budgeting and saving
How to save money on a low income
Discover budgeting tips for saving on a low income in Australia. Learn to manage spending, access government assistance, and build financial resilience.
![Back to school image with tables and chairs with stationery](https://blog.beforepay.com.au/hubfs/Back%20to%20school%20blog%20banner-1.png)
Budgeting and saving
How to budget for back to school costs
Budget wisely for back to school costs with these tips, from early planning to discounts and finding smart ways to save on essentials.
![Cheap beach holiday destinations in Australia](https://blog.beforepay.com.au/hubfs/Holiday%20destinations-1.png)
Managing my finances
Budgeting and saving
Cheap holidays in Australia
Discover wallet-friendly Australian getaways! Our list offers budget-friendly holiday options for your next memorable escape.
![A man and woman staring at laptop planning their financial resolutions together](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%286%29.png)
Budgeting and saving
Financial Resolutions A-Z
Dive into our A-Z financial resolutions for easy steps toward confidence and control, from emergency savings to meal prepping.
![The Beforepay Beat newsletter logo](https://blog.beforepay.com.au/hubfs/Beforepay%20Beat%201.png)
Budgeting and saving
5 Ways to help you stick to your budget
November 2023 Beforepay Beat highlights: Learn about a quick hacks to help you stick to your Christmas budget and Ideas for making some extra cash over the holidays.
![Family celebrating a budget friendly Christmas at home](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%284%29.png)
Budgeting and saving
How to manage your budget and spending over Christmas
Stick to your 2023 Christmas budget and manage your end of year spending with these smart money tips.
![Man filling up car at petrol station](https://blog.beforepay.com.au/hubfs/B4P_BLOG-BANNER%20%283%29-1.png)
Budgeting and saving
Popular
7 apps to help you find cheap petrol
Looking for cheap petrol near you? Here are 7 apps that could help you save the next time you plan to fill up.
![A girl with a thumbs up sign with a logo of Beforepay and Finder Award.](https://blog.beforepay.com.au/hubfs/image.png)
Budgeting and saving
Beforepay highly commended in Finder Awards 2023
Beforepay has been highly commended in the Finder Customer Satisfaction Awards 2023, rated by real customers with real experiences.
![Putting coin in a jar beside a miniature house](https://blog.beforepay.com.au/hubfs/2022_BLOG-BANNER%20%2830%29-1.png)
Managing my finances
Budgeting and saving
Why you should think about saving money for an emergency fund
Learn why having an emergency fund is crucial and how it can benefit you. Find out tips and strategies to start saving for unexpected events.
![Hand holding a phone with an online grocery on the screen.](https://blog.beforepay.com.au/hubfs/2022_BLOG-BANNER%20%2827%29.png)
Budgeting and saving
Why your grocery bill is costing more
Why grocery shopping has become expensive amid the rising cost of living, and things you can do to save money on your groceries.
![Adjusting air conditioner temperature could help with savings on your electricity bill.](https://blog.beforepay.com.au/hubfs/Banner-Dec22Blog-ElectricityBills-1.png)
Budgeting and saving
How to save on your electricity bill in summer
Rising energy prices could mean higher electricity bills. See how much Aussies spend on their electricity bills and how you could save money on yours.
![A lady holding shopping bags](https://blog.beforepay.com.au/hubfs/2022_BLOG-BANNER%20%288%29.png)
Budgeting and saving
Ideas for doing Christmas and New Year on a budget
Thinking about how to keep your finances in check over Christmas and New Year? Stick to your budget and save with these money tips!
![](https://blog.beforepay.com.au/hubfs/2022_BLOG-BANNER%20%284%29.png)
Budgeting and saving
5 Steps to manage your financial wellbeing
Try these 5 steps for managing your financial wellbeing to build resilience and gain confidence and control when it comes to your money.
![Save money and free up your budget by reviewing your subscriptions.](https://blog.beforepay.com.au/hubfs/2022_BLOG-BANNER%20%282%29-1.png)
Managing my finances
Budgeting and saving
4 Reasons to spring clean your subscriptions and how to do it
If you’re looking for ways to save money amid inflation and rising costs, reviewing your subscriptions might be a good place to start.
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Budgeting and saving
5 tips to manage the rising cost of living
A look at how the rising cost of living is impacting everyday working Australians, and money management tips to help.
![Saving for the Easter long weekend - Beforepay](https://blog.beforepay.com.au/hubfs/desktop.png)
Budgeting and saving
Saving for the long weekend
The Easter long weekend is just around the corner. Check out these planning tips to help you make the most of your budget and time this long weekend.
![](https://blog.beforepay.com.au/hubfs/Blog%20Templates%20%28Article%20Header%29%20%281440x441%29%20%283%29-1.png)
Budgeting and saving
10 Easy ways to save money every day
Budget planning and money management are useful life skills. Here are 10 easy ways to save money every day to help you take back control of your finances.
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Budgeting and saving
How to cut your weekly grocery shopping costs
The weekly grocery shop can be daunting and overwhelming for some. Here are our tips and tricks to cut down your weekly grocery shopping costs to help you take back control of your finances.
![a glass filled with coins and a plant growing out of it.](https://blog.beforepay.com.au/hubfs/Blog%20Templates%20%28Mobile%20%26%20List%29%20%28505%20x%20320%20px%29%20%282%29.png)
Budgeting and saving
4 Steps you need in your life for building a budget
Still using Excel spreadsheets to do your budget planning? Here are four steps you need in your life for building a budget to help you take back control of your finances.