Make Money Simple Again

Arrange to automatically transfer your weekly allowance amount each Thursday, from your Primary account into

What was different about Money SMARTS? The main difference has been the introduction of the joint Living & Lifestyle account. This gives us a short framework of time to work with a certain amount of money. If we get to the end of the week and we are running low on groceries by Wednesday (because Living & Lifestyle money gets transferred fro

Annual rental income $20,000 $20,000 Annual investment income (e.g. share dividends) $5,000 $2,500 Annual government income (allowances/rebates, etc.) $ $ Annual other after-tax income $ $ Any tax adjustment (FBT, refund or payment) ($)+ or - -$2,000 +500 Totals $143,000 $103,000 Expected total annual income $246,000 Average monthly income $20,500

5. Tell us what life looks like now that your problem is solved or being solved. We are clear on our end goal and what we can spend. Money SMARTS just works behind the scenes for us. Groceries still prove to be a constant challenge to keep within budget (and eat healthily) but we are working on this by buying in bulk.

Financially organised – You now know you are working with a rules-based money management system that is designed to get your household finances and money management in order to achieve your financial purpose.

YOU MUST pay the rolling balance off every month.

For households with a mortgage, we strongly recommend the Primary account is a 100% transactional offset

Set up a linked debit card – Mastercard, Visa or other (it doesn’t matter) – just make sure it’s only a debit card and doesn’t allow you to have a credit limit or overdraft facility.

The best way to protect your credit history is to make sure you don’t miss any deadlines. Adopting our Money SMARTS system covers this by default. Career challenges Financial stress can impact on employee performance affecting overall job security. It’s hard not to take the pressures of home life into the workplace and your performance could affect