Hi AvasMum - I have a heap of ideas, I just love budgeting and seriously, you will probably be sorry you posted this - hee hee.

* heaps of people owe the ATO money. If you ring them and get on a payment plan, they are happy to accept monthly repayments and they are even offering interest free loans to people who have businesses at the moment. I think you definately have to make the monthly repayments though or there is big trouble.
* there is an awesome website about saving money - called simple savings. It tells you how to make your own cheap house cleaner, washing powder and even helps you with cheap healthy food ideas. Some of the ideas about total self sustainability are a bit far out there for me but have a look and see how you go
* budgeting has got to be a lifestyle. For me and DH - we sat down and worked out what we needed to spend and then literally only spent that much. If we ran out of money, we just stopped spending. Eg - we spend $400/month on groceries, $200/month for personal spending and I even go as far to work out the exact cost of what bills should be
* re your mobile, I would ring the company and ask them how you can make your bill cheaper. Are there certain times that you could be making calls at a cheaper rate? Maybe you should consider turning off messagebank if you have it, that's a big addition to your monthly bill normally.
* If it all sounds too hard, the best thing to do is keep an excel spreadsheet of every single dollar you spend without changing your habits. It will quickly become obvious where you are able to cut back.............when I did it, I was horrified but our grocery bill, we were shopping way too many times a week for quick pickup things. DH and I now have a quick chat about what meals we want to eat and only buy the food for those things. This means at the end of the week, the fridge is pretty much empty except for jars, butter etc but it means no food wastage and it's easy for me to wipe the fridge out!

I hope this is helpful to you I am a bit of a budget natzi, I really love it and have my sister hooked too. Once you start seeing the savings, you just get so motivated by it all.

Good luck!!!!