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While saving might not sound like the most fun thing to do, it’s important to start thinking about the amount of money you’ll need in the future for doing the things you want to do – whether that is travelling, buying your first car or moving out of home.

If you’re just starting out in your career or if you’ve got a part-time or casual job, you’re probably starting to see your savings grow in your bank account. Here are a few tips you can do to help maximise your savings.

Spend less and save more

It sounds like pretty straightforward advice, but it really works. 

It could be a good idea to make a list of where your money goes each week. You might be surprised how quickly your daily takeaway coffee or energy drink adds up over the week. Once you know your spending habits, you can start looking at ways to cut back your spending – like bringing your lunch from home rather than buying it every day. A few changes each week can make a big difference to your savings in the long run.

Figure out how much you need to save

How much of your pay do you actually need to get by during the week? Figure out how much you need for things like your phone bill and going out with your friends, and put the rest aside into a savings account. That way you won’t over spend each week and your savings can earn interest and start to grow. 

Be a smart shopper

Doing a little bit of research before you make any purchase can be an easy way to save money. Even if it means waiting a little longer before buying whatever it is you want, you’ll often find great discounts and sales if you search around. 

This article is intended to provide general information of an educational nature only. It does not have regard to your objectives, financial situation or needs and must not be relied upon as financial product advice. Before you act on this information, you should consider whether it is appropriate for your circumstances. Information in this article is current as at the date of publication. Applications subject to credit approval and fees and charges are payable. Terms and conditions apply and are available on request.

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