Try these 3 strategies on for size and see how seemingly small actions can have a huge impact on your results. You’ll have greater clarity, control, and more money in your pocket.

Stay away from shopping centres during weekends. If you’re bored, or looking to be entertained, then a shopping centre is not an ideal destination. These places are designed to make you spend. The flashy sales and tempting displays can lead to impulse buying. Save yourself the trouble and avoid the temptation altogether.

Ads are everywhere—online, on social media, and in your email. They’re designed to make you spend money on things you don’t need. Awareness is a big factor. When you know that ads are not there to help you, but instead to separate you from your money, you’ll be keen to avoid them. Take control by unsubscribing, deleting, or just ignoring these ads. Less temptation means less spending.

Know what you’re aiming for and set clear financial goals. Then, create a spending plan (budget) to get you there. When you’re deliberate about where your money goes, you ensure it’s working for your future. Otherwise, you’ll discover the hard way that every dollar you receive needs a clear job. This includes meeting your cost-of-living expenses, lifestyle, debt reduction, saving and investing goals. Without a job to do, the dollars will wander away in search of action, and that’s normally the latest marketing message you’ve spotted.

Consider putting some of that extra income and your tax refund into investments. Whether it’s topping up your superannuation, buying shares, or putting money into a high-interest savings account, investing can help grow your wealth over time.

If you don’t have one yet, now’s the time to start or boost your emergency savings. Having a financial buffer gives you peace of mind. It protects you from unexpected expenses and ensures you’re ready for any financial surprises.