MoneySmart.gov.au is the BEST personal finance resource and I am excited to chat to the lady who manages it ... Laura Higgins. Our topic: Budgeting. Now, stay with us as it's easier than you think.   Listen to us discuss: What a personal budget actually is; the importance of budgeting and tracking your spending; how to simplify the process and make it less overwhelming; the brilliant tools available to help you to budget; top tips to save money if your expenses are too high; how to ensure your money is working for you; dealing with debt through the National Debt Helpline; further support and advice if you are going through financial hardship