We've put together five simple steps to help you try and keep a handle on your money.
Money can be confusing and these days as we tap and go, it can be hard to keep track of it coming in and out.
Here are some hacks to help you try and stay on top of things.
1. Set reminders
Take the stress out of remembering when your bills are due by adding a reminder in your phone when you get them and set them to recur. Then next time you’re about to splash some cash on a big-ticket item you can check to see what you have coming up and if you can afford it.
2. Simplify your shout
Don't be caught out shouting mates, set up your PayID and your friends can transfer money easily. Long gone are the days of having to remember your BSB and account number, just tell them your PayID (email or phone number) and their share will be transferred instantly via Osko.
3. Take stock of your recurring payments
Are you paying for a subscription you didn't know still existed? Trawl through your transaction history and look for anything you can’t place and work back from there until you’re happy with your spending.
Well, apart from that $64 fast food feast you splurged on last Saturday at 4am! With our Mobile Banking App, you can view all your scheduled and recurring transfers at once by tapping ‘Scheduled’ from the menu bar.
4. Take away the temptation
How often do you find yourself playing the fun game of add to cart, only to see that your payment information is there and ready to go? The only thing standing between you and your goodies is a simple click, and so you take the plunge and bam, you've lost your savings faster than you can say 25% off! To rid yourself of the temptation, delete your payment information from your favourite online shopping haunts, forcing you to think before you buy!
5. Reward yourself
From fueling your car to fueling yourself at your local coffee shop, loyalty cards are everywhere. Keep an eye out at the places where you spend your money and see if you can benefit from what their loyalty programs offer.