Achieve Financial Literacy Today

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financial literacy

๐’๐ญ๐š๐ซ๐ญ ๐ฌ๐ฅ๐จ๐ฐ ๐š๐ง๐ ๐ฌ๐ฆ๐š๐ฅ๐ฅ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐ก๐š๐ฏ๐ž ๐ญ๐จ, ๐›๐ฎ๐ญ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ง๐จ๐ฐ. Getting ahead of life might sound like a dream, especially when you have a big vision for the future. However, learning the basic skills now will help propel you to the right path. Financial literacy is not a competition, but an early start gets you closer to your savings goal. ๐™‡๐™š๐™–๐™ง๐™ฃ ๐™– ๐™ข๐™ค๐™ฃ๐™š๐™ฎ ๐™จ๐™ ๐™ž๐™ก๐™ก ๐™ฉ๐™ค๐™™๐™–๐™ฎ! Need professional advice? Email us at info@sortmymoney.com.au.  

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Keep Direct Debits In One Place

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Keep direct debits in one account

David Rankin advises, “If you have direct debits flowing from multiple accounts, it could pay to switch them all to just one account.” Streamlining your payments makes it easier to pay and track regular or recurring remittances, like utility bills, loan payments, etc. A second transaction account can serve as your accessible source of cash for daily expenses. How best to manage your bank accounts? Email us at info@sortmymoney.com.au to find out.  

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How to Use Downtime to Clean Your Finances

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clean finances

๐ƒ๐ข๐ ๐ฒ๐จ๐ฎ ๐œ๐š๐ญ๐œ๐ก ๐ƒ๐š๐ฏ๐ข๐ ๐‘๐š๐ง๐ค๐ข๐งโ€™๐ฌ ๐ญ๐ข๐ฉ๐ฌ ๐จ๐ง ๐’๐ฆ๐š๐ซ๐ญ๐ƒ๐š๐ข๐ฅ๐ฒ? The article talks about how to use downtime to clean oneโ€™s finances. Here are the tips from David we thought were very helpful. Assess your current spending. Transfer direct debits into one account. Minimise unused vehicle costs. Reduce unnecessary and costly appointments. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ง๐ž๐ž๐ ๐ฆ๐จ๐ซ๐ž ๐จ๐ซ๐ ๐š๐ง๐ข๐ณ๐š๐ญ๐ข๐จ๐ง ๐ข๐ง ๐ญ๐ž๐ซ๐ฆ๐ฌ ๐จ๐Ÿ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ฌ, ๐ฌ๐ญ๐š๐ซ๐ญ ๐›๐ฒ ๐š๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ฑ๐ฉ๐ž๐ง๐๐ข๐ญ๐ฎ๐ซ๐ž๐ฌ ๐š๐ง๐ ๐œ๐ก๐ž๐œ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐›๐ฎ๐๐ ๐ž๐ญ ๐ฅ๐ž๐š๐ค๐ฌ. Email us at info@sortmymoney.com.au to know more.  

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Assess Your Spending

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Assess Your Spending

โ€œWhat are you no longer spending money on every day that you are not really missing?โ€ – a question that David wants us to ask ourselves as we assess our finances. ๐€๐ฌ ๐ฅ๐ž๐ข๐ฌ๐ฎ๐ซ๐ž ๐ž๐ฑ๐ฉ๐ž๐ง๐ฌ๐ž๐ฌ ๐š๐ซ๐ž ๐ฉ๐ฎ๐ญ ๐จ๐ง ๐ก๐จ๐ฅ๐, ๐ฆ๐š๐ง๐ฒ ๐ก๐จ๐ฎ๐ฌ๐ž๐ก๐จ๐ฅ๐๐ฌ ๐š๐ซ๐ž ๐ฌ๐ž๐ž๐ข๐ง๐  ๐š ๐ฉ๐จ๐ฌ๐ข๐ญ๐ข๐ฏ๐ž ๐ž๐Ÿ๐Ÿ๐ž๐œ๐ญ ๐จ๐ง ๐ญ๐ก๐ž๐ข๐ซ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ฌ. ๐’๐จ๐ฆ๐ž ๐จ๐Ÿ ๐ฎ๐ฌ ๐š๐ซ๐ž ๐ซ๐ž๐š๐ฅ๐ข๐ณ๐ข๐ง๐  ๐ญ๐ก๐š๐ญ ๐ญ๐ก๐ž ๐ข๐ญ๐ž๐ฆ๐ฌ ๐ฐ๐ž ๐ฎ๐ฌ๐ž๐ ๐ญ๐จ ๐›๐ฎ๐ฒ ๐จ๐ง ๐ญ๐ก๐ž ๐ฐ๐š๐ฒ ๐ญ๐จ ๐ฐ๐จ๐ซ๐ค ๐š๐ซ๐ž ๐ง๐จ๐ญ ๐ง๐ž๐œ๐ž๐ฌ๐ฌ๐š๐ซ๐ฒ. โ€œLunches, coffees, and convenience foods on the way to and from work are no longer eating into many household budgets,” David adds. Email us at info@sortmymoney.com.au to find out more.  

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Increase Your Credit Score

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credit score

Misconceptions about credit scores are common, and bad choices can contribute to its decrease. Increase your credit score with these tips provided by David Rankin, one of Australia’s top financial coaches. If you are trying to fix your credit score, we recommend consulting with a professional budgeting coach and receiving a run-through of your best options. Click here to learn more about how to improve your credit card rating from David’s podcast on Performance.  

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Start Proper Budgeting Today

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Spending Habits

Weekly, fortnightly, or monthly earnings are usually constant, and it can take months or years before these change. So donโ€™t wait until that pay raise to start making adjustments to your budget. Make a move now and transition to your new income with ease later on. Are you preparing for new ventures? Have a professional plan a budget and prepare a financial system that works for you and your family. Think long-term, and begin your journey today. Talk to a licensed financial consultant. Email us at info@sortmymoney.com.au to know more.  

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