30 days to financial wellness

This guide shows you how you can make a real difference to your financial wellness simply by taking one small action each day for a month. Carry out these steps and you’ll be able to face your financial future with optimism, conviction and confidence.

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How to make a real difference to your finances, one step at a time


Financial wellness isn’t about how wealthy you are. It’s about how healthy your finances are, regardless of how much you earn. It’s about understanding where your money comes from and where it goes.

It’s about being able to survive a financial emergency, knowing how to invest wisely and having a short and long-term game plan. It’s about looking at your bank account or credit card statement with confidence, not trepidation. And it’s also about knowing you can pay the bills, put a little aside each month and still have enough to live your life.

The thing is, as Australians, we’re not always high performers when it comes to our finances. The WSSA Workplace Financial Wellness Index in 2016 found that on average we have only “moderate” financial wellness. Just six per cent of us are classed as financial superstars, 12% had very low levels of financial wellness, and almost a third had ‘room for improvement’.

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This information has been prepared by Macquarie Bank Limited ABN 46 008 583 542 AFSL & Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire our products or services you should review the terms and conditions and also seek independent financial, legal and taxation advice. All applications are subject to our standard approval criteria.