Starting Out
Getting started in your teenage years can make all the difference to your long-term life plan. Time is your best friend when it comes to making money. Life’s too short not to enjoy it!

| 1. | Savings Plan | Pay yourself first. Save 10% of your income. |
| 2. | Bank account | Open a low fees account with ATM card. |
| 3. | Invest | Start investing now. |
| 4. | Credit cards | No credit cards yet! Use a debit card instead. |
| 5. | Budget | Spend less than you earn. |
| 6. | Superannuation | Start a superannuation plan now and save a little of your salary here. |
| 7. | Government Help | Take advantage of government benefits. |
| 8. | FEE-HELP | Apply for a Government loan to pay fees if you are studying. |
| 9. | Smart spending | Use your stuff, wear it out and make do. Saving up for things is actually the fun part. |
| 10. | Use the Internet | To save time, avoid forgetting payments and make money. |

Create the life you want
Chrysalis Lifestyle Planning Pty Ltd
Suite 301, 7 Oaks Avenue
Dee Why NSW 2099
T (02) 9972 2633
E info@chrysalislp.com.au