Planning gives you control

Figure out how and what you can spend, see if you can save a little extra and decide if you really need to borrow. It all adds up to a great way of putting yourself in control of your money.

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Balance it out with a budget

Take a look at all your finances together. A little time spent planning now will make so much difference in the future. Besides getting things in order, it will help you feel more in control.

We've some simple budgeting tips that can help you work it all out.

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Save a little if you can

Bringing a little savings into the mix helps to meet those unexpected expenses.

Try banking anything you have left over before pay day, putting the children's allowance away for their future and if you can afford it, consider investing.

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Think about borrowing

Take the long term view, add up how much it will cost you to take out a loan including the interest and make sure you can manage to pay it all back on time.

We can help you figure out how a mortgage or top up can fit in with your finances.