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.
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.
Superannuation provides you with an income in retirement. But how much do you really know about it? This video explains the super arrangements for ADF members, and the options you have for managing your super.