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Organise your accounts

Now that you’ve mastered your expenses, goals and debt, it's time for the Financial Wellbeing in you to let someone else do the heavy lifting. (That’s us). We’ll bring it all together and get you organised with some next-level online budgeting tools.

ANZ's budget planner showing a breakdown of expenses, savings and goals

The ANZ Budget Planner is a tool provided for illustrative purposes only. The results generated by using the ANZ Budget Planner tool are based only on the information you have provided, and are not stored by ANZ.

1. Get your detailed budget

Be your own money planner

Feeling proud of your progress? You should. To feel confident in your financial future, let’s put it all in a detailed budget.

Hot tip: our Budget Planner does the dirty work for you. Simply input your expenses, add in your goals and split out your accounts to walk away with a PDF of your new plan. Annnnd exhale.

To make this step easier, whip out the budget you might have already started. If not, just grab your list of debts, your expenses or your last three bank statements, plus your saving goals and get started.


Feeling empowered?

A detailed budget should leave you feeling confident. You might have made some changes that leave you feeling more secure. Maybe you’ve discovered you’re actually in a better position than you thought. Either way, you’re in control.  

Reflect on your budget and decide if there’s anything else you can do to make your spending plan more effective, supportive or easy to stick to. Are there more spending leaks that need plugging to reduce your expenses? Or is getting out of debt  a bigger priority than you thought? Make sure your budget leaves you, and your unique circumstances, feeling good.

Is it time for a Financial Wellbeing score review?

True transformation takes time and dedication. But all the little steps you’ve taken to address your Financial Wellbeing should already leave you feeling more in control over your financial future. That means your Financial Wellbeing score might already have changed for the better. Try the calculator again for proof.

Get your score

2. Automate your accounts

Turn on autopilot

These days, everything’s automated. Stuff gets delivered to your house at the click of a button. The internet knows what you want before you’ve even said it. Why can’t finances be as easy?

Turns out they can. You can set up your savings so that they’re essentially on autopilot. The less you have to think about it, the easier it is to save.

Try setting up direct debits on the first day of your pay cycle to automatically split your income into spending and saving accounts. You might not even miss the money and sticking to your limits will feel a whole lot easier.

Remember, think about what is right for you and your circumstances!

Turn on autopilot

Set up direct debits

Set up your direct debits

Get paid into account

Get paid into your account

Manage budget on auto pilot

Manage your budget on auto pilot

Take this budget for a test drive...

See how your budget stacks up against the 50-30-20. Is there anything that you could stop, swap or change to make it better?

pro tip icon

Pro tip

Goodbye, generic account names. Hello savings accounts that are personalised to match your goals. ‘Home sweet home’. ‘Dollar dollar bills y’all’.  ‘Do not touch this account’. These are your goals, so have fun with them.

3. Earn some interest

Play the long game

Patience isn’t just a virtue, it’s a money maker. The longer you leave your savings to brew, the more interest you’ll earn. If you’ve got a long-term goal consider using a term deposit. These are locked accounts that you can’t withdraw from for a set period of time, making them great interest earners if they suit your circumstances. 

But if you know you’re going to need access to your funds sooner, pick an account that gives you the flexibility to withdraw. 

It’s important to do some research and choose an account that works for you. Always review the terms before committing to check for:

  • Minimum monthly deposits that need to be met
  • Monthly or annual account fees
  • Offers of bonus interest if you don’t make any withdrawals

The snowball effect of compound interest

The earlier you plan to invest in your future, the bigger difference it will make.



Tips to spring clean your finances and watch your money bloom

Get ready to spring clean your finances and remove the clutter from your budget with these money management tips.


Is there a right way for couples to combine their income?

You know what they say, couples who finance together.... Have joint accounts? Not always! Here’s three different ways couples manage their money.

Feeling that sweet, sweet bliss of organisation?

Now that you’re becoming an actual budgeting boss, it’s time to look further into the future.

Progress bar shows the first 4 steps have been done and you are currently in the fifth step, there are 6 steps in total.

What's next?

Dollar sign plant illustration

6. Invest in your future

Start growing your wealth today.

I’m ready

The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs.  By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

ANZ does not use the information you provide for the purpose of assessing any application.

The ANZ Budget Planner is a tool provided for illustrative purposes only. The results generated by using the ANZ Budget Planner tool are based only on the information you have provided. It does not constitute a quote or financial advice, and ANZ does not endorse or approve any budget created using the ANZ Budget Planner. Before considering if any product is right for you, you should take into account your objectives, personal needs and financial circumstances and consider whether it is appropriate for you. ANZ does not store the information provided in the Bucket your Money tool or use the information you provide for the purpose of assessing any application.