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3 TIPS TO MANAGE YOUR MONEY WISELY – OUR GUIDE

Once you get a hold of a regular stream of income, it can feel liberating to finally buy the things you’ve always wanted. Managing your money is an important part of being successful, as it helps you keep afloat financially and equips you to weather anything from economic upheaval to expensive medical emergencies.

Learning to budget wisely will also put an end to your financial struggles. Here are three tips to help you learn how to manage your money wisely and become financially resilient:

Changing Your Mindset

Having the right mindset towards your finances is an important step in learning how to be wise with your money. If you think of saving as a punishment that stops you from buying whatever you want, then you’re setting yourself up for financial failure!

Focusing on your lack of money or not having the amount you desire will cause you to believe you’re living in scarcity. You might think that your resources aren’t enough to sustain you—but the truth is, with a little budgeting here and there, chances are you have enough money to support yourself! Instead, try changing your mindset into one of abundance, or knowing there’s just enough for you and everyone else around you.

Make It a Habit

Saving isn’t done in one night—it’s done every single time you earn money! Managing your money wisely is a habit that’s cultivated right when you earn income. Even if you aren’t making that much money yet, it’s important to learn how to spend your money wisely and set aside enough for savings. Otherwise, you may find yourself in deep financial trouble with credit card debt, and you’ll have to spend a large sum of your future savings into paying it off!

By being consistent with dutifully saving a portion of your income each month, you’re creating a reserve for emergency situations that won’t leave you broke. It’s a healthy habit to start and an even better one to keep!

Learn How to Budget

The most important part about managing your money wisely is learning how to budget it properly. Some people think of proper budgeting as simply not spending, but that isn’t true. Money has three main responsibilities: saving, spending, and investing. Most people are concerned with the spending part, but the other two are just as important.

A good rule of thumb to create a consistent amount of savings is to subtract that amount from your income. The difference will become your budget for spending. Many people recommend saving 10 percent of your income and putting it in your emergency fund, which should be in a separate account. This money should be left untouched unless dire circumstances call for it.

However, it’s also important to set aside some money for your hobbies. It will improve your relationship with your money, as spending what you’ve allocated for pleasure will lessen feelings of guilt. Your money is also yours to enjoy—but in moderation, of course!

Conclusion

Learning how to effectively manage your money will put a permanent stop to your financial struggles. It will also save you from endless stress and headaches that come from dealing with financial mishaps and debts. With these three tips, you’ll be well on your way to financial security!

If you have a financial emergency and need to take a personal loan ASAP, get in touch with us at Cash On Your Mobile! We are one of Australia’s most trusted lenders that are licensed and registered by regulatory bodies, making us a legal and safe way for you to access money whenever you need it.

Conclusion

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What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem cashonyourmobile.net.au is your best solution. A simplified application and

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HOW TO APPLY FOR A LOAN

Eligible Borrower:

WHAT WE DO AND WHAT WE OFFER

A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer’s next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.
If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started

cashonyourmobile.net.au owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

FREQUENTLY ASKED QUESTIONS

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours
Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.
Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan
The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.
Please speak directly with your lender if you have any issues paying back the loan.
Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

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Pty Ltd ABN 89 603 132 618
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