‘Taking financial stock’ by Paul Clitheroe

The start of a new financial year provides a useful mid-year point to review your personal finances. Giving your budget, mortgage, credit card and savings plan a quick check can pinpoint areas where you could save money or make a bit extra. The cold winter nights provide an ideal opportunity to review your household budget. If you’re feeling strapped for cash, your budget will show where you need to rein in spending. If you don’t have a budget or you’re not sure what’s involved, download a free budget planner from the Federal Government’s Understanding Money website (www.understandingmoney.gov.au).

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