Managing money

Understand how to spend and save, tax and superannuation, and how to get help to pay a fine.

calculator, cash and budgeting spreadsheets

Money tips and guidance

Lots of notes of cash

Spending and saving

Learning how to save is a life-long journey and it's never too late to start.

Three adults in surgical masks have a conversation in a classroom

Student life and money

You can start thinking about money even as a student or if your income is low.

Police officer giving a driving fine

Fines and penalties

You could be given a fine or penalty notice for breaking the law. Find everything you need to know about getting a fine.


Tax form, folder and laptop on a desk with a hand using a calculator


You will usually have to pay taxes when you earn money. How much you pay will depend on how much money you make. You will need a Tax File Number (TFN) to pay your taxes.


A hand holds a jar labelled 'superannuation' that contains notes of cash

Understanding super

Superannuation is your money for retirement. Your employer must put part of your pay into your super account. Your super fund invests the money until you retire.


A credit card is being cut in half by a pair of scissors


Debt is money you have borrowed and needs to be repaid. Debts include car loans, credit cards, buy now pay later services and mortgages. If you are struggling to repay your loans you can get help. 

A woman uses a laptop while sitting on the floor near a lounge

New business assistance

If you are interested in running your own business, the Australian Government offers new businesses help through the New Enterprise Incentive Scheme (NEIS). The NEIS can assist you with accreditation, mentoring and financial support. 

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