Moneywise lifts the lid on 40 secrets of the financially successful…

We all wish we could get inside the heads of the financially successful. What’s the little voice inside their head telling them?
BUT FIRST… here are 5 simple steps to ensure you make the most of these Savings Secrets.
"You're going to need somewhere to put your savings…"
Set up a standalone Savings Account.
This is where you’ll be depositing your hard earned cash. This account is for one purpose, and one purpose alone, growing your savings. Leave those pesky direct debits for your everyday account. If you’re tempted to withdraw money from this account, listen to that little voice in your head, the one that’s telling you not to do it.
"Decide what you want from your life…"
Write down your Savings Goals.
It’s far easier to save when you have real goals you can work towards. Put them somewhere you can see them, this will make them real, this will remind you of them everyday.
"Get up close and personal with your money…"
Work out what you earn.
Find out how much money you really have access to each month.
Take a look at the What do I earn Calculator here. This will show you what it takes to earn the money that will help you fulfil your savings goals. It’s also a great motivational tool that will give you an idea of what sales you need to make to achieve higher commission and additional income.
"Crack out that stack of receipts."
Work out what you spend.
It’s difficult to make the most of your money without getting an idea of where it’s going. Use the calculator here to do a Cashflow. It’s really eye opening to find out what you’re spending, where you’re spending it and how much of it you could be putting towards your goals.
"Look after number 1."
Set up an automatic transfer into your savings account.
It’s the golden rule of saving your money. Set up an automatic transfer of 10-15% of your pay to go straight into that savings account you set up. If you go to Kiosk, you can split your pay so that your savings are automatically transferred to your savings account. That way, you’ve saved early and can budget for the rest of the month accordingly.
10-15% of your pay may sound like a lot. It is. It’s a lot of money that will go towards achieving your goals.
1 Set up a Savings Account
2 Create a savings goal
3 Work out what you earn
4 Do a cashflow
5 Pay yourself first!
Contact a Money Coach at hello@moneywiseglobal.com and arrange an individual or team workshop.
The last 10 Savings Secrets are here… Keep it hush hush…
1-10
11-20
21-30
31-40
1
“Stop flashing that plastic!”
2
“Do you enjoy paying interest?”
3
“Those coins feel heavy in your pocket…”
4
“Where's that Library Card?”
5
“I wonder what buying lunch every
day is costing you?”
6
“You know you shouldn't be doing that!”
7
“Fomo is costing you a fortune, 
staying in will save you one.”
8
“Failing to prepare is preparing to spend.”
9
“Have you eaten your greens?”
10
“If they can do that, so can you.”
11
“You can save money getting from
A to B.”
12
“Those tyres are looking a little flat.”
13
“Treat yourself to a homemade
takeaway.”
14
“Cut down on plastic…”
15
“When was the last time you checked
your bank account?”
16
“Is that brand name really worth it?”
17
"Let's stop to consider that shall we?"
18
“Never buy groceries on an empty stomach.”
19
“Wouldn’t it be nice to be rewarded for
loyalty?”
20
“Could this not wait until the sales?”
21
"Are you feeling thirsty?"
22
"The benefits of frozen vegetables?"
23
"When was the last time you checked that air filter?"
24
"Is that the most efficient use of
your petrol?"
25
"You're paying too much interest…"
26
"You should speak to your bank…"
27
"Compare your Car Insurance."
28
"Look for forgotten gems in
your wardrobe…"
29
"Are your appliances costing
you money?"
30
"Medicine is medicine."
31
"Are you due an upgrade?"
32
"Those light bulbs are looking a little old."
33
"Keep things in working order."
34
"Time to roll up your sleeves…"
35
"Let's carpool!"
36
"Is your Health Insurance right for you?"
37
"You should get on top of your Super."
38
"One person's trash is another person's
treasure!"
39
"Dig around for buried treasure."
40
"Make the call…"
SECRETS
1-10
11-20
21-30
31-40
Download a printable check list
Both Moneywise Global Pty Ltd and our Financial Advisers are Authorised Representatives of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995 AFS License No. 230323
This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial adviser and seek tax advice from a registered tax agent. Information is current at the date of issue and may change.