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Habits for financial wellbeing

A fresh, jargon-free approach to managing money, to help you prepare for a healthier future.

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How to feel in control of your everyday finances.

Healthy financial habits

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Find out about what being financially fit means.
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Tips on how to stay out of debt and save.
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Be in control of what you spend on bills, savings and debts
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Creative ways to reduce your expenses.
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Put money away for those unexpected events.
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How to recognise the signs and what to do next.
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Smart ways to reduce what you owe
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Start planning for the later stages of life.
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Protect the things that matter the most to you.
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How to avoid the most common financial threats
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How good habits can help you achieve financial wellbeing.

Savings strategies

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Savings is an important financial habit you can adopt to help you reach your financial goals.
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Find a balance between when to put your money in savings and when to pay off a debt.
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Here are 5 ways to get you into a habit of saving.
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Having a specific goal to save towards can help you stay focused in the near and long term.
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Budgeting is a key step to establish where you are starting from, and how much you can afford to save.
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It's a good idea to have a number of different types of savings. Learn what options you have for different goals.
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Understand how your savings may grow over time.
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Every person's situation is different, learn how you can take the right approach to managing your savings.
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Ready for the next step? Evaluate your options for investing your money.
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Explore the advantages that saving for retirement early may have on your financial wellbeing.
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Instilling good saving habits can help you met the financial goals you have outlined for yourself and your future.

Becoming Financially Independent

Financial independence means different things to different people. For some, it means having sufficient income to cover your living expenses for your whole life without having to work full time. For others, particularly younger adults, it can simply mean owning your own home, and earning more than you spend.

 

This module will guide you through the skills you need, and the steps you might take, to achieve your own definition of financial independence.

Meeting your costs and commitments, while saving up for the things you want, can be a challenge. Here are three financial habits that may help.
Asking the right questions is the first step in figuring out your future goals.
Take a deep dive into your payslip to understand taxes and deductions.
Choosing the right bank provider for your needs is the first step to help you meet your financial goals.
While it may seem like a long way off, there are things you can do to start saving for retirement today.
Learn about ways to successfully share expenses with flatmates, a partner or your family.
Explore ways in which you can make the most of your career path and find one that works for you.
Money and Mental health have a connection. Learn how to make sure you’re taking care of your finances and yourself.