Making the most of your finances
Women have challenges when it comes to money. As a woman, you
will probably live longer than men, you will usually earn less than
men, and you are more likely to have time out of paid work to care
for children or parents. This puts you behind when it comes to
being financially secure - both now and in the future.
We have the tips and tools to help you take action and get the
most out of your finances.
Women's money toolkit
Our women's money toolkit helps you find the information you
need to take action on your finances.
Answer a few questions about yourself and receive a personalised
to do list to focus on.
Women's money toolkit
Taking care of your
According to 'Women and money
across the generations' research conducted by RMIT University
in 2014, 80% of women say their top financial priority is providing
for their family's day-to-day needs. We have tools to help you find
ways to meet your family's needs.
Work out where you money is going and how to make it stretch
It's a good idea to keep tabs on your everyday spending so you
can work out your needs and wants and set spending limits.
Track your personal expenses on the go with our free and
We also have articles on how to cover the essentials while
making sure your family doesn't miss out on the special things in
Women's money challenges
Our women's money challenges
infographic looks at the everyday challenges women face and the
small steps they can take now that can make a big difference
Paying for your
Education costs can account for a huge slice of the family
budget. The costs of school fees, uniforms, books, excursions and
extra-curricular activities can really add up.
For some tips on ways to save for your children's education and
activities outside school see our webpages on:
Planning for your
As a woman, you are likely to both outlive your partner and also
have less money in your superannuation account, so it's important
that you start thinking about your future now. Small steps today
really can make a big difference tomorrow.
To find out what you can do now to build your retirement
savings, see our webpages on:
Life events that affect
Life events can have a big impact on your finances. Even a
wonderful experience like having children often mean big
Find out what you need to know about:
We also have a number of tools to help you work out your
finances when there is a big change in your life:
Video: Women and money
Video about women and money.
Find out what people on the street say are the financial
challenges women face and how they can deal with them.
Teaching your kids about
Most people learn a lot about dealing with money by watching
their parents when they were kids. Your kids are learning about
money from watching you - even if it doesn't look like they are
listening. For some tips on helping your kids develop good money
habits see our webpages:
Teaching section has a whole range of games and challenges that
your kids can use to learn about money. You can also encourage your
child's school to become a MoneySmart School.
It's never too late to start building a better
Last updated: 17 Sep 2018