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To reach your money goals you need to be clear on how your finances are tracking at any point in time, starting with what goes in and out of your everyday account.

The easiest way to do this is have one place where you can check your pay, view and manage all your money, including super.

Infographic showing money flow starting with getting paid directly into your everyday and super accounts, then automation helping facilitate the flow to savings account and bill payments.
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The 50-30-20 rule

The 50-30-20 general rule helps you plan to pay bills (50%), add to savings (20%), and have money to spend on fun (30%).

Depending on how much you earn this split might not be do-able straight away, but if you need a hand, try our budgeting tool.

You can also read 4 easy ways to save or if you are aiming to travel sooner rather than later, look at how to afford your next adventure.

Infographic displaying a pie chart with 50% allocation to needs, 30% allocation to wants and 20% allocation to savings.
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Log on to set a savings goal so you can start working towards your target

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See how fast your savings can grow with our Savings Calculator

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Earn competitive interest when you save regularly with a CommBank savings account

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Being smart with credit can:

  • Help build a credit history 
  • Allow you to use an interest-free period to assist your monthly cash flow
  • Provide an emergency back-up for unplanned expenses
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Easily manage your spend using lock, block, limit

Infographic illustrating credit card interest-free period. It shows Day 1 Statement period starts - Purchase period of 30 days before statement period ends. The next step in the flow is Day 30: Statement period ends. The next step is 25 days to pay off the total amount owing (to avoid interest on your purchases). Payment Due Date: To avoid interest on purchases you must pay the total amount owing each month. If you pay this amount by the payment due date, you won’t be charged interest on items purchased in the statement period as long as your previous statement was paid in full. Otherwise interest will be charged from the date of each purchase. The next note refers to late payment - to avoid a late payment fee you must pay at least the minimum payment by the due date each month.
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Your 20s are a pivotal time to set yourself up for the future.

Once you've got budgeting and saving sorted it's a great time to think about your medium to long term goals and how you can make your money work harder for you. That could be:

Infographic showing a pyramid. At the base of the pyramid is DAY-TO-DAY LIVING - Bills and food, rent, insurance etc. On top of this tapering in is SAVINGS Adventure fund, rainy-day, education, wish-list. On top of this, tapering again and indicating a smaller allocation is WEALTH BUILDING & INVESTMENTS - Long-term goals and wealth creation.


Visit any CommBank branch for one-on-one guidance for help reaching your goals.

Things you should know:

1 2015 Future Leaders Index, The Co-op in partnership with BDO, Whitepaper 1: Spending, Saving & Debts – A detailed study of Australia’s 18-29 year olds.

Assumes only transactions were purchases and there weren't any cash advances, balance transfers or Great Rate transactions.

This page is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.