Figure out whether you’re saving as much as you can. And if you’re already spending less than you earn, you can look at how to save and how to use your savings. If you’re currently spending more, it can help to have a family meeting to discuss how you can save money. Your budget will tell you whether you’re currently spending more or less than you earn. Planning how and what to save: a key part of managing money Or you could look into choosing a private financial adviser. This service is free and available to everybody. If you’re not confident about managing your money or you need help getting your finances under control, you can use the Australian Government Financial Information Service. If your income allows, deliberately overestimating the money you need for bills might help you find extra spending money.
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