Budgeting
Build a budget around your payday
A monthly total can hide a short week. Give each payday a job before its money starts leaving your account.
Build a little more confidenceSmall money moves.
Small money moves.
More room to live.
Understand your spending. Make space for saving. Take the next step with clear guides and practical tools.
START HERE / Build a budget around your payday →The everyday money edit
A clearer place to start.
No perfect spreadsheets required. Find a useful idea for the decision in front of you.
Saving
Save for a replacement washing machine
Turn an ageing appliance into a planned expense, with a target that includes delivery and the cost of getting it installed.
Everyday decisions
Compare unit prices at the supermarket
Compare equivalent quantities before deciding which supermarket pack is better value.
Borrowing basics
Read a loan quote beyond the monthly payment
A manageable instalment can conceal a long commitment. Read the amount received, repayment schedule and fees together.
Money foundations
Understand simple interest with a savings example
Simple interest applies a rate to the original principal. Keep the rate's time period consistent with your calculation.
Saving
Set a savings target with an uncertain price
When the final price is uncertain, a range can produce a more honest savings plan than a single precise-looking number.
A steady approach
Start where you are.
Money plans work best when they fit your life. Explore the topics, test the numbers and adapt the examples to your situation.