Step 1: Know where your money goes

1. Find out where you stand

Work out the value of your assets and liabilities to get a clear picture of your finances.

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2. Understand your spending

Learn how to investigate, categorise and get organised.

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3. Manage bills and automate payments

Save time and money by streamlining your bills.

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Step 2: Shift your everyday spending habits

1. How to make a budget and stick to it

You may be able to get by without one, but having a budget will help you shape your everyday spending and plan for the future.

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2. How to spend your income

There are no set rules when it comes to spending your income, but if you’re looking for something to aim for consider our 50-30-20 guide.

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3.  How to pay off your debts

Struggling to pay off multiple debts and feeling overwhelmed? Two simple ways to tackle and take control of your debt. 

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Step 3: Take control of tomorrow

1. How to get into a savings habit

Putting a bit of money into a savings account gives you a great buffer. Turn this into a regular practise to get yourself in the best position.

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2. How to make the most of tech tools

Technology can help you keep tabs on your finances but with so much choice, where do you start?  Get the lowdown on the tools that can help with your everyday money habits.

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Tools in the CommBank app to help you manage your spending

Transaction Notifications

Receive instant notifications every time you pay or are charged for something using your credit card.  

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Spend Tracker & Insights

Your transactions will be automatically categorised, so you know exactly what you’re spending your money on.

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Find out how much you could save and how long it will take to reach your goals. Try it now

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