• Getting the most out of money calls for planning, discipline, looking ahead and behind at old bills.
  
• Realistic written record
  
• Regulate spending according to income
  
• Review regularly
  
• A family project
  
• Spread out expenses
  
• Keep records (incl. Certificates, wills, insurance papers etc)
  
• Set goals - needs v wants
  
• Don't rely on overtime or 2nd income
  
• Make up your mind and stick to it - but don't be afraid to alter your plan if it can be improved
  
• Don't run for cover if in trouble due to unexpected illness, accident or mishap
  If at first you fail - keep going. Determine to succeed.
  
• Remember the place of credit in money management: (i) needs vs. wants (two different questions) (ii) can you afford credit? (iii) credit is not - a way of beating your budget 
   
  

DISCLAIMER The information provided in this information sheet is of a general nature only, and is not intended to be legal advice. There may be errors or inaccuracies or the information may not be completely up-to-date. Always check the information provided before relying on it. The information relates to consumer law in New South Wales, Australia.