Keep your eyes on the prize

Most of us have good intentions when it comes to spending money wisely. But this can be easier said than done.

Making a budget is a great start, but sticking to it is the crucial part. 

Setting financial goals will help keep your eyes on the prize. Goals are a crucial step in getting your money matters sorted, as they let you know where you are versus where you want to be.

Your goals can be as varied as planning to retire by 60, paying off next month’s credit card bill, or taking the kids to the Gold Coast in 2012.

Our My Goals worksheet takes you through the goal setting process in simple steps to help you on your way to achieving them. It can even send you email or txt reminders.

Once you've set some goals, use the Budget calculator to create a surplus you can use to save for your goals.

Then use the Money tracker to track how well your budget is working in reality - and if necessary, go back and make any adjustments.