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Background

TAKE CONTROL OF YOUR MONEY

  • Developed with award-winning financial planner Helen Baker.
  • A FREE program that teaches you how to build a better financial relationship.
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Our promises

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Learn how to save

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Learn how to make more money

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Learn how to remove debt

Learn how to build a retirement fund

How it works

1

Create a free secure account

2

Read the easy to understand guides

3

Follow the simple tasks for each step

Helen Baker

Helen Baker

Helen Baker, Financial Expert

Helen Baker is an award-winning licenced financial adviser and author of two popular finance books. She has two Masters degrees, in Financial Planning and Management, and a Bachelor of Commerce (accounting) Degree.

Helen Baker, Financial Expert

1. Set up an emergency fund

An emergency fund is your financial safety net and the foundation of your financial security. When something unexpected happens, whether you lose your job, need to move house, or have a sudden medical issue to deal with, an emergency fund is there to keep your life and financial goals on track.

If you’re one of many Australians who doesn’t have the available money on hand to pay for an emergency situation or bill, this is where you need to start.

Time to set up an emergency fund?

Take the first step.

2. Get your super on track

Your superannuation will build and support you over the long term if you take the time to understand how it works today.

Even small changes now, such as choosing an appropriate fund and considering extra contributions, can make a big difference down the track.

This is thanks to the power of compounding investment returns. In other words, you earn interest on your interest, allowing your retirement savings to snowball.

Don't forget about your super

Build your future today.

3. Flatten debt

If an emergency fund is the foundation of your financial security, having too much bad debt can be what destabilises you.

For some of us, a level of debt is a necessary part of creating the life we want. The key is knowing good debt from bad debt, and keeping it manageable.

Paying down debt faster can be a great way to save on interest and improve how you feel about your finances.

Take control of your debt

Get to know your debts.

4. Household audit

A household audit compares your existing household utilities and other outgoing expenses to ensure you aren’t overpaying on electricity & gas, broadband, online subscriptions and more.

It is also a valuable savings tool allowing you to reduce your outgoing expenses and increase the available money you can put towards an emergency fund, reduce debt or save for retirement.

You can also take advantage of new offers and deals while promoting a habit of mindfulness towards your outgoing expenses.

How much could you save?

Audit your utilities and see what's actually essential.

5. Get covered

Insurance sometimes gets a bad rap. But the right type of cover can be incredibly beneficial in protecting your finances and your family's future. It can make a life-changing difference if you need to make a claim.

Understanding your options and what cover you need can help ensure paying for insurance doesn't make a massive difference to your budget.

When it comes to preparing for your and your family's future, it can also be beneficial to have a will prepared. This can bring certainty and peace of mind when it’s eventually time for your estate to be divided and distributed.

Protect what's yours

Compare your insurance options and get your will sorted.

6. Your retirement number

How much money will you need to retire? And how much do you need to save to achieve that goal?

Figuring out your retirement number is a crucial step in understanding your current financial position and what you’ll need to do to reach retirement with the nest egg you want.

What's your number?

Get to know how much you'll need to live comfortably.

7. Set goals

Setting goals can be one of the most enjoyable parts of your relationship with your money.

They allow you to plan for the future you want and prioritise how you spend your time, your energy, and most importantly, your money.

It's important to set exciting but achievable goals that you and those closest to you can get behind. That way you'll be more likely to maintain the motivation you need to reach them.

Set your goals

Ready to commit to your financial future?

Important information: Any advice or information on this site is of a general nature only and has not taken into account your personal objectives, financial situation and needs. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your personal objectives, financial situation, and needs. Helen Baker is an Authorised Representative(s) of Godfrey Pembroke Group Pty Ltd ABN 38 078 629 973, AFSL number 245451, an Australian Financial Services Licensee, with offices at The Bond, Level 3, 30 Hickson Road, Millers Point NSW 2000.

Helen Baker

Written by

Helen Baker

Helen Baker is an award-winning licenced financial adviser and author of two popular finance books. She has two Masters Degrees, in Financial Planning and Management, and a Bachelor of Commerce (accounting) Degree.

Sean Callery Editor Money.com.au

Reviewed by

Sean Callery

Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.

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Our Money Promise

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This material has been prepared by Money Pty Limited (ABN 40 664 954 536) (Money, ‘us’ or ‘we’). Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C). The material is for general information only and is not an offer for the purchase or sale of any financial product or service. The material is not intended to provide you with financial or tax advice and does not take into account your objectives, financial situation or needs. Although we believe that the material is correct, no warranty of accuracy, reliability or completeness is given, except for liability under statute which cannot be excluded. Please note that past performance may not be indicative of future performance and that no guarantee of performance, the return of capital or a particular rate of return is given by 62C, Money, any of their related body corporates or any other person. To the maximum extent possible, 62C, Money, their related body corporates or any other person do not accept any liability for any statement in this material.

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Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C)
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