There is a lot of free information in regard to financial well-being. The links below might be helpful and are all no cost.
If you are encountering financial difficulties do not delay in seeking help. The best starting point is the
National Debt Helpline
Phone: 1800 007 007
How to save money on bills
How to save money around the home
How to make your money go further
Tips to Improve your Financial Situation https://www.thebalance.com/top-ten-financial-tips-1289309
1. Get Paid What You're Worth and Spend Less Than You Earn
2. Stick to a Budget
3. Pay off Credit Card Debt
4. Contribute to a Retirement Plan
5. Have a Savings Plan
7. Maximize Your Employment Benefits
8. Review Your Insurance Coverages
9. Update Your Will
10. Keep Good Records
Save more with compound interest https://moneysmart.gov.au/saving/compound-interest
The power of compounding helps you to save more money. The longer you save, the more interest you earn. So start as soon as you can and save regularly. You'll earn a lot more than if you try to catch up later.
For example, if you put $10,000 into a savings account with 3% interest compounded monthly:
After five years, you'd have $11,616. You'd earn $1,616 in interest.
After 10 years you'd have $13,494. You'd earn $3,494 in interest.
After 20 years you'd have $18,208. You'd earn $8,208 in interest.