Money in motion

Our hints and tips

Never gamble in any form from desperation. It's fine to buy lottery tickets or play pokies if you have some cash to spare and can just enjoy it as a form of entertainment. But never bet on anything when it matters, when you have a feeling of 'I have to win'.
Ensure when you create a budget that you are realistic about what matters to you. It can be a good opportunity to review and reconsider your spending habits, but be realistic in the expectations you set yourself. Otherwise you are just setting yourself up to fail.
Avoid credit unless it is for the purchase of an appreciating asset such as a house, and even then be careful not to over-commit yourself. Discipline yourself to save for the items you want and then buy them. You'll save yourself a lot of money and make better purchasing decisions when you are actually handing over cash to buy something.
Be conscious of your spending but not obsessed with it. An abundance mindset will serve you much better than a scarcity mindset, but that doesn't mean being careless or wasteful with your money. Be relaxed and confident about your financial wellbeing but not reckless with your money.