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Are you a spender or a saver?

Are you a spender or a saver?
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Online security quiz

Online security quiz
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Who pays for the services you use?

Who provides the services you use?
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Goods and services tax (GST)

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Are you in business?

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Developing a budget

Set a time-frame (weekly, fortnightly, monthly). Estimate your income. Estimate all ‘incoming’ money, including wages from a job, pocket money, and cash gifts, such as birthday money. Estimate required expenses. These are bills you have to pay, such as taxes, mobile phone costs, transport costs, if you can, you should get into the habit of ‘paying yourself first’ which means including an amount to save. Estimate discretionary expenses.…
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