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Tips and guides to help you budget, save and spend less.

From managing your money and creating your first budget through to becoming a saving master, our tips and guides are here to help you get there.

Managing my money


Goal planning that may put those ‘what-ifs’ to bed

Planning for your ‘what-ifs’ may help you map out your budget and plan of attack, whatever gets thrown your way.

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Managing your mental health when it comes to money

Looking after your mental health may come in many shapes and forms, one of them could be mindful money management.

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Seniors Banking

Whether you’re winding down work for retirement or looking for a regular income stream when you do retire, we can help.

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When you’re studying

Make your everyday banking simple because studying is hard enough.

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Creating 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 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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Tax refund or 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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Gaining certainty when the future is uncertain

With sound financial practices in place, you may be able to gain some certainty to take on what comes next.

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Pay off your debt or invest?

Should you invest in being debt free, or use that cash to grow your wealth?

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The basics of budgeting

How a simple budgeting plan could help you save.

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Starting your first job

Congratulations! You've landed your first job, which means your first pay is probably on the way too!

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Organising a move? The moving process is a great opportunity to get your finances in order.

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Changing jobs

New job. New start. Get yourself sorted to make the most of your hard earned money.

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Unexpected expenses

We're often optimistic about the future, but how often do we prepare for the unexpected?

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Building an emergency fund

An emergency fund can help you absorb unexpected financial shocks as they come.

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Hide and save

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

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Earning interest on your account

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

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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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Smash your goals in the new year

Entering the new year is a great time to replace bad spending habits with good saving habits.

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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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Saving for a home

Get yourself started with our simple 3-step guide to saving.

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Saving and banking tips for your next holiday. Manage your finances before, after and during your travels.

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The psychology of saving

Get more tips on changing your spending habits.

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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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Spend less

When two (breadwinners) become one

Learning to live on a reduced household income right now? You’re not alone.

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Reduce 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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Food budgeting 101

Being a little clever about what you eat can work wonders on 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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‘Tis the season for saving

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

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Kids banking

10 ways to teach your kids about money

10 simple ideas you could use to start educating your kids about money, how it works and how to manage it.

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How kids can make money

Melbourne mum of 3 shares her personal thoughts and ideas on teaching kids to make their own money.

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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 Saving & Transaction Products Terms and Conditions (PDF 427kB) and the Financial Services Guide (PDF 112kB) 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.

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