Jane shares her top tips for "staying in the black"

Hi Ritzy,

I've been following your posts and rather than ask a question, I would love to share my top tips for staying out of short term debt. 
Just a bit about me, I am the money decision maker in our family and through a long process of trial & error learnt allot over the years - so would love to share some of these learnings:

1. Have a separate bills account so I never have to worry about having money to pay those big bills
2. Have total transparency about money with your partner (unless it's for a birthday present!)
3. Unsubscribe from marketing emails  that encourage or entice you to spend
4.  Keep a buffer in your account - $100, $250, $500 - whatever, it's important to cushion those unexpected expenses
5.  Check if your bank sends you texts with balance or spending, it helps keep you on track
6. Using a budget to plan spending so you don't get caught out
7.  Use the following tools -  YNAB (free trial), pocketbook, money brilliant and pocketsmith to help manage your money.

The main thing is not to stick your head in the sand, know your money situation.

Cheers,

Jane