Planning and budgeting	Getting started	Understanding paperwork	Credit providers
Dealing with debt	Rights and responsibilities	Planning for the future	A roof over head

Planning and budgeting looks at personal savings goals and money plans. This topic helps people recognise spending leaks and set achievable goals.

The workshops include:

• Goals - considers the importance of setting savings goals, discerning between needs and wants, how to manage a money plan and stopping spending leaks.
• Saving and spending - outlines some techniques to save money and use it more effectively and considers obstacles to saving, how to save, where to keep savings and different types of interest.
• Money planning - focuses on the benefits of money planning, how to start saving and common types of savings accounts.

Workshop summaries:

• Goals (PDF, 44kb)
• Saving and spending (PDF, 43kb)
• Money planning (PDF, 243kb)

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