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Guides to help you budget, save and spend

How to manage money

Create a budget

Follow these simple steps to create a budget, take control of your spending and reach your savings goals. 

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Earning interest

Discover how interest is calculated for our savings accounts and term deposits. 

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Saver Plus program

If you have a Centrelink Health Care Card or Pensioner Concession Card you could be eligible for our Saver Plus program.

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Tax refund or financial windfall

Smart ideas and considerations for how to make the most of your tax refund or financial windfall.

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The basics of budgeting

How a simple budgeting plan could help you save.

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How to spend less

‘Tis the season for saving

This year, see if you can get through the festivities without sabotaging your savings.

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Track your spending

If you want to save money, you should track where it goes. Money missing is money lost.

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Food budgeting 101

Being a little clever about what you eat can work wonders on your savings.

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New year, new (wealthier) you

Kick the bad money habits with a new year’s resolution you can actually stick to. A few tweaks is all it takes.

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Reduce your bank fees

Banking doesn't have to cost a lot. Find out how you could cut back on unnecessary bank fees. 

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How to save more

Saving tips

We've put together some helpful tips to help you start saving and make saving part of your daily routine. 

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Eyes on the prize

The secrets to successful saving aren't really secrets at all. You just need to focus.

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Think (spare) change

Saving your spare change instead of tossing it into wishing wells could make your financial dreams come true...sooner.

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Hide and save

Want to stash away your cash and save? Here are some ways. 

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The psychology of saving

Get more tips on changing your spending habits here.

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Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.