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23 Easy Financial Wins to Finish off 2023 STRONG!

It's not too late to improve your finances in 2023. Here are our 23 easy financial wins for 2023. Pick a couple and make it happen!


1. Streamline Subscriptions: Cancel any unused subscriptions for instant savings. Or pause one streaming service for a few months while you binge on another service!

2. Debt Consolidation: Merge multiple debts into a single, manageable payment.

3. Automate Bill Payments: Set up direct debits to ensure on-time payments and save time.

4. Close Unused Accounts: Consolidate your finances by closing unused bank accounts or credit cards.

5. Go Paperless: Still receiving some bills via post? Switch any remaining bills to email.

6. Automate Bill Admin: Direct email bills to a dedicated email folder for easy access and organisation.

7. Super Beneficiaries: Confirm that your beneficiaries on your superannuation fund are correctly nominated. Plus, ensure you understand the nomination rules.

8. Estate Planning: Ensure your wills and estate planning are in order. Book a consultation with a solicitor if needed.

9. Super Investment Review: Assess the investment options in your super fund to ensure the selected option is right for you.

10. Superannuation Insurance Evaluation: Review the insurance you hold via super (if any) and consider if adjustments are needed.

11. Insurance Documentation: Confirm your non-super insurance policies and ensure suitable coverage amounts.

12. Budget Refresh: Update or create a budget to manage your finances better - click here if you need a starting point.

13. Expense Trim: Scrutinise monthly expenses to identify areas for potential savings.

14. Savings account interest rates: Ensure you get a competitive interest rate for your savings. Consider using an offset account for your mortgage if you have a mortgage.

15. Emergency Fund Boost: Strengthen your emergency fund by setting aside a little extra each month.

16. Declutter and Sell: Sell or give away unused items to declutter your space. You may not make much money, but it will free up some brain space.

17. Super Contributions: Consider topping up your contributions to your super fund - but make sure you know the rules first!

18. Savings Goals: Establish specific savings goals for the coming year and allocate funds accordingly. Holiday, debt repayment, new car - make sure your goal is documented.

19. 24-Hour Rule: Implement a 24-hour waiting period before purchases to avoid impulse buying.

20. Maximise Workplace Benefits: Take full advantage of workplace benefits such as salary packaging, gym memberships (make sure you use it, though!) or health insurance discounts.

21. Negotiate a Pay rise: Get ready for your 2024 salary review, research and negotiate your salary for fair compensation.

22. Automate Savings: Set up automatic transfers to dedicated accounts for specific financial goals.

23. Get Advice! Book a Financial Check-In with a Professional: Schedule a meeting for 2024 to review your overall financial strategy or develop one if you don’t have one! BOOK HERE

What you need to know

This information is provided and produced by Lush Wealth - Financial Advice for Women. The advice provided is general advice only as, in preparing it, we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.



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