How can this guide help you?
The ADF Financial Services Consumer Centre and the Australian Securities and Investments Commission (ASIC) want you to be well-informed and confident about getting financial advice.

By familiarising yourself with this website, you’ll be starting off on the right foot with tips about:

deciding if you need personal advice
finding the right adviser
working effectively with your adviser
getting advice that suits you.

You may find that not all the ideas in this website may apply to your particular circumstances.

How can this guide help you?
Should you buy a vehicle?
All members of the ADF work hard for their money,and for the privilege of being able to spend money on themselves and their families. When you find that you have some extra cash, it is important to think carefully about the options available to you, including paying off debt, the purchase of a new car, contributing to superannuation, investing in real estate or buying shares.

Should you choose to buy a car, here is some important information that we offer to you in conjunction with the Australian Securities and Investments Commission.

This website can help you:

Use your money more wisely.
Save for what you really want.
Manage your loans, insurance, super and retirement saving.

The ADF Financial Services Consumer Centre and the Australian Securities and Investments Commission (ASIC) want you to be well informed and confident about financial decisions. This website can start you off on the right foot with general tips and explanations. ASIC’s ideas may not apply to your particular circumstances. If you want personal financial advice, you may need to see a licensed financial adviser.
Key tips for managing your money

Decide what you really want, and focus on your most important goals.
Start saving now: you can start small and increase your savings gradually (they’ll grow with interest, too).
Always check the facts: ask questions and get professional advice. If you aren’t comfortable or don’t understand, don’t go ahead.

Throughout this website we have used tables to work out budgets and so on. Copy them and add your own details to see how our suggestions might work for you.

Take charge of your money

By taking charge of your money, whether you have a little or a lot, you will ease money stress and feel more secure and in control.
Track your spending
Where is your cash going each day? Tracking your spending helps you understand your daily money habits. See spending for tips on how to do this.
Create a budget
How much money is coming in and going out each week, fortnight or month? See below for how you can use a budget to sort out your money priorities and take control of your spending and saving.