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Guides to help you budget, save and spend

How to manage money

The ins and outs of a 50-30-20 budget

With simplicity and flexibility, it can be a great budget starter. See if it can work for you. 

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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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The basics of budgeting

How a simple budgeting plan could help you save.

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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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Saving on a budget

Create a simple, efficient budget and savings plan to help you set money aside for the things that are important to you.

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How to spend less

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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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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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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‘Tis the season for saving

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

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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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Earning interest

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

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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 or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.