Budgeting is the foundation of your financial journey. It helps you to plan ahead and make sure that you have enough money for the things that are important to you.

• Getting started may seem hard but we’ve made it THAT MUCH easier for you with our 9-step process here 
• You can also check out our budgeting tool to help you start tracking your income and expenses (needs and wants) here

Looking to buy a car? Study further? Pay off debt? Go on holiday? Whatever your savings goal is, we can help you plan for it.

• Have a look at our simple 13-step process to start saving successfully here 
• Learn more about the different types of savings and investment options and be able to choose the right ones for you here
• Use our tool to calculate how much money you need to save each month to reach your savings goals here

Understanding credit and interest are important financial lessons. Interest is the extra amount paid for the use of money and can either work for you (earned when investing money or loaning money out) or against you (extra cost when borrowing money and taking credit).

• You should always know what the TOTAL cost of something is before entering into any agreement – follow these 14 steps to stay on top of your credit here
• Learn about the difference between simple and compound interest
• Want some help calculating interest? Use these FREE calculators here

Insurance is a key component to managing financial risk and goes a long way to give you peace of mind.

• There are a lot of different types of insurance out there. Use this guide to understand the different types available and find the right products for you here

Whether you’re just starting out at your first job or have been working for a while, learning about your payslip and bank statements is important. This will help you to budget properly and make it that much easier to manage your money.

• Have a look at our summary which shows some of the key financial elements of the working world here
• View a helpful breakdown of the different payslip deductions that you might come across here

Now that you know the key financial principles, stay ahead of the game with your own financial dashboard.

• Use our personal financial tool to help you keep track of your monthly budget, your savings goals, interest owed and due, and your financial scorecard. The important things, all in one place here