money managed. Information to help you make smart financial decisions Start here Getting a bank account and debit card Opening a bank account gives you a place to keep your money and you can use the attached debit card to pay for things. Saving and spending money Saving money is a great habit to start early and will help you make smart spending decisions in the future. Working and getting paid The earlier you get a job the quicker you’ll be able to save up money and gain experience for the future. Dealing with debt and bad decisions Before signing up for something it’s smart to make sure you know exactly what you’re agreeing to pay. Savings calculator Got your eye on something you want to buy? Use this calculator to work out how long it will take you to save up for it. I want to buy or save… We all want to buy things straight away, but sometimes there are hidden costs. This tool can help you think about what those costs are so you can make smart saving decisions. Budget planner Use this planner to see where your money is going and how you can save for something you want.