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Do you know how much you spend – each week, each month, each quarter? If your money seems to disappear, try setting yourself a firm but achievable budget and start taking control of your money.

There are many ways you can get your money working harder:

• identify your medium to long term personal goals and prioritise them
• take a hard look at your bills to see how you have been spending your money and work out where you can cut down
• identify debts that have the highest interest charge and pay these off as a priority
• consider having part of your salary regularly deducted from your savings account (ie. a salary sacrifice arrangement) and transferred to an investment account
• create a realistic but firm budget to help determine your saving capacity
• reward yourself when you reach budget milestones.

A Bridges financial planner can help you assess your individual needs, explain suitable investments and develop appropriate strategies.