Budgeting is the way to achieve your goals, whether it’s to pay off your credit card debts, start a retirement plan, or set up an emergency fund. But as beneficial as it is, it’s not practised by most adults – in fact, a study by Credit Donkey found that most American adults don’t prepare a monthly budget. 

If you’ve never made a budget before but you want to be more responsible with your money, we’re here to set you on the path toward financial freedom. Build a budget you can live by and allocate your funds the proper way with these top personal finance strategies:

A growing community is one that uses a people-first way of thinking and designing. Businesses that put the safety, well-being, and happiness of the people in their community will continue to grow and thrive right along with the community they serve. Today, Narrabri shares some of the many ways business owners and residents can contribute to the safety, functionality, and attractiveness of their shared community.

Like all insects, mosquitoes thrive in warmer weather. But what they really need is water. La Niña rainfall and flooding are providing the perfect breeding ground for mosquitoes, with numbers exploding in recent weeks.

People are also seeing giant mosquitoes, tiny mosquitoes, and species they haven’t noticed before. Some of these mosquitoes are around every season but their numbers are booming, thanks to the favourable conditions.

Australia has around 300 species of mosquito. So which do you need to look out for?

First, let’s go over some mozzie basics.

Boggabri SES put out a call for help in filling sandbags on Sunday morning and Boggabri residents responded en masse.

Boggabri SES member Chris Rixon said the service needed to replenish the stock as, over the past few days, it had used up the supply.

“We filled 170 in Gunnedah a couple of days ago and transported them here, but we have used all of them.

As we write from New South Wales’ Northern Rivers region, other parts of eastern Australia are facing conditions that recall uncomfortable memories from the 2017 floods and those in March this year. Many people are fatigued and still coming to terms with those devastating natural disasters.

We know from previous research people with pre-existing mental health conditions and poorer health are more likely to live in flood zones.