{"id":466,"date":"2022-10-20T15:04:59","date_gmt":"2022-10-20T15:04:59","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=466"},"modified":"2024-08-15T05:08:41","modified_gmt":"2024-08-15T05:08:41","slug":"money-management-skills","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/personal-finance\/money-management-skills","title":{"rendered":"7 Money Management Skills To Master ASAP"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"\" id=\"TOP\">Money management is about making your money work for you by giving each dollar a job. Establishing a solid plan for your income gives you the clarity and confidence to stay on track through all life changes.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">Set yourself on the path to financial independence by adopting tried-and-tested strategies and developing these essential money management skills.&nbsp;&nbsp;<\/p>\n<\/div>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"skills-to-master\"  class=\"c-block-table-of-contents__title\">SKILLS TO MASTER<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#Basic-budgeting\">1. Basic budgeting\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Goal-based-saving\">2. Goal-based saving\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Automate-your-finances\">3. Automate your finances<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Deal-with-debt\">4. Deal with debt\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Practice-informed-investing\">5. Practice informed investing\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Use-credit-cards-strategically\">6. Use credit cards strategically\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#Stick-to-the-plan\">7. Stick to the plan\u00a0<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Basic-budgeting\">1. Basic budgeting&nbsp;<\/h2>\n\n\n\n<p class=\"\">To know exactly where your money goes, start with a regularly-updated <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/what-is-a-budget\">budget<\/a>. This living document will <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/tracking-monthly-expenses\">track your monthly expenses<\/a> and keep you in control of what\u2019s coming in and going out.&nbsp;<\/p>\n\n\n\n<p class=\"\">If you aren&#8217;t sure how to budget, the <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/50-30-20-budget\">50\/30\/20 budget system<\/a> is a good place to start and is easy to stick to \u2014 50% bills and expenses, 30% wants, and 20% savings and investing. You can go into more detail in the spreadsheet and crosscheck with a free budgeting app. And, for ease (and to avoid temptation), separate your savings from your everyday account.<\/p>\n\n\n\n<p class=\"\">Create a \u2018Friday finance hour\u2019 weekly check-in with yourself to keep on top of it. Your budget will change according to your lifestyle and commitments, so use the 50\/30\/20 as a starting point and tweak the percentages to suit your needs. A budget should feel liberating, not limiting.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Goal-based-saving\">2. Goal-based saving&nbsp;<\/h2>\n\n\n\n<p class=\"\">Learning <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-save-money\">how to save money<\/a> is key, but knowing what to do with those savings is an important next step. Studies show an increase in savings after a goal-setting session, so why not use this to your advantage?&nbsp;<\/p>\n\n\n\n<p class=\"\">For example, let\u2019s say you\u2019re putting aside 20% each month for savings. Think about your <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/financial-goals-definition-and-examples\">financial goals <\/a>and make a plan to use that money accordingly.&nbsp;<\/p>\n\n\n\n<p class=\"\">If you have multiple goals, you can achieve them more easily by allocating your savings to even smaller funds. Out of the 20% you budgeted for savings, you could dedicate 10% to building an <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/emergency-fund\">emergency fund<\/a> (three to six months of living expenses) and 10% to a trip to Europe or a <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-save-for-a-house-deposit\">house deposit<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Automate-your-finances\">3. Automate your finances<\/h2>\n\n\n\n<p class=\"\">It&#8217;s good practice to set up auto payments so you never miss a bill.&nbsp;<\/p>\n\n\n\n<p class=\"\">To ensure auto payments always go through, calculate your recurring expenses and never let your bank account drop below that amount. That way, you\u2019ll never need to worry about being overdrawn or late payment charges.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-lightest-blue-background-color has-background\"><strong>Looking to increase your cash flow?&nbsp;<\/strong>Consider these&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-make-money\">25 ways to make money online, offline and at home.<\/a><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Deal-with-debt\">4. Deal with debt&nbsp;<\/h2>\n\n\n\n<p class=\"\">Let go of any shame surrounding <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/debt-impact-financial-health\">debt<\/a> and replace it with momentum by creating a money-management plan, sticking to it, and becoming debt-free. As a best practice, you should first tackle your <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/good-debt-vs-bad-debt\">most expensive debt<\/a> \u2014 the one charging the highest interest rate.&nbsp;<\/p>\n\n\n\n<p class=\"\">The 50\/30\/20 budget method can apply to debt repayments, too, just like savings.&nbsp;For example, you can adjust your budget&#8217;s percentages to 50% expenses, 25% wants, 10% savings, 10% debt repayment, and 5% investments.&nbsp;<\/p>\n\n\n\n<p class=\"\">If you\u2019re unsure how your debt affects your financial standing, it\u2019s a good idea to <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-check-credit-score\">check your credit score<\/a> and request a <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-check-credit-score\">free copy of your credit report<\/a> once every three months.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-get-out-of-debt\">How to Get Out of Debt<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Practice-informed-investing\">5. Practice informed investing&nbsp;<\/h2>\n\n\n\n<p class=\"\">If you\u2019re a <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/types-of-employment\">company employee<\/a>, you can fill in a form to opt for employer contributions (super guarantees) of at least 10.5% of your gross to go into your chosen superannuation account every year. By 2025, this is expected to increase to 12%.&nbsp;<\/p>\n\n\n\n<p class=\"\">For self-employed people, superannuation contributions aren\u2019t mandatory. Suppose you\u2019re a freelancer or contractor who isn\u2019t eligible for the super guarantee. In that case, you should set aside a percentage of earnings to save for retirement and take advantage of tax benefits.&nbsp;<\/p>\n\n\n\n<p class=\"\">Beyond superannuation, explore other wealth-building options. Consider setting up a <a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/passive-income\">passive income<\/a> stream and investing in property, shares, managed funds, exchange-traded funds (ETFs), bonds, gold, cryptocurrency, and micro-investment platforms. As with all things financial, diversification is a smart strategy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Use-credit-cards-strategically\">6. Use credit cards strategically&nbsp;<\/h2>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/first-credit-card\">Credit cards<\/a>, if used respectfully, can be a great tool to earn rewards. You can earn frequent flyer points to pay for your travel. You can pay for flights, upgrade to business class, or use them for accommodation.&nbsp;<\/p>\n\n\n\n<p class=\"\">The premise is this: Use your <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-do-credit-cards-work\">credit card<\/a> for the purchases you&#8217;ll make anyway to earn points, and then pay off your balance before interest hits. Banks also offer thousands of bonus points when customers sign up for new credit cards.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">If you\u2019re working to build your credit, an effective strategy is using credit cards to demonstrate a positive repayment history. But always err on the side of caution with credit cards. These strategies aren\u2019t for everyone, especially those paying off debt or recently getting out of it.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Stick-to-the-plan\">7. Stick to the plan&nbsp;<\/h2>\n\n\n\n<p class=\"\">It\u2019s easy to get disillusioned about your financial situation, especially if you\u2019re not where you want to be. You may not reach financial independence tomorrow, this year or next. Your money will ebb and flow, so sticking to a plan and establishing good habits that support your financial growth is essential.&nbsp;<\/p>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 id=\"about-the-author\"  class=\"nwb-authors__title\">\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-100x100.jpg\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Amanda Smith photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\">\n\t\t\t\t\t\t<strong>Amanda Smith<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Amanda Smith is a freelance journalist and writer. She reports on personal finance, technology, culture, and human interest. Amanda has written stories about retirement planning for Business Insider, the connection&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" title=\"Read more about Amanda Smith\">\n\t\t\t\t\t\t\t<span>Read more about Amanda Smith and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-282\" class=\"c-block-card post-282 page type-page status-publish has-post-thumbnail hentry content-classification-personal-loans topic-small-personal-loans cluster-small-personal-loan-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/loans\/need-money-now\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/find-cash-fast-e1723698983788-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"16 Ways to Find Fast Cash\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"16-ways-to-find-fast-cash\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/loans\/need-money-now\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t16 Ways to Find Fast Cash\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Need money now? Learn how to get fast cash, and the types of loans to avoid when you\u2019re strapped for cash.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/katia-iervasi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/katia-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-282 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-266\" class=\"c-block-card post-266 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-guide-to-credit-cards cluster-applying-for-credit-cards\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-apply-for-a-credit-card\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/how-to-apply-credit-card-e1666202458237-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How To Apply For A Credit Card In 5 Steps\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"how-to-apply-for-a-credit-card-in-5-steps\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-apply-for-a-credit-card\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow To Apply For A Credit Card In 5 Steps\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Understand your credit score, debt and income, and apply for a card that fits your profile. Make your credit card application a no-brainer for the banks.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a><a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-266 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-429\" class=\"c-block-card post-429 page type-page status-publish has-post-thumbnail hentry content-classification-personal-finance topic-making-money cluster-work-from-home\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/income-protection-insurance\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/income-protection-e1721673874467-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What is Income Protection Insurance?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-is-income-protection-insurance\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/income-protection-insurance\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat is Income Protection Insurance?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A financial safety net when you\u2019re too sick or injured to work.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/kristie-kwok\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/KristieKwok-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kristie Kwok<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-429 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-514\" class=\"c-block-card post-514 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-score cluster-credit-score-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-improve-credit-score\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/08\/improve-credit-score-e1731098823288-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Build Your Credit Score\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"how-to-build-your-credit-score\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\/how-to-improve-credit-score\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Build Your Credit Score\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>If your credit score is lower than you&#8217;d like, there may be fast ways to bring it up, helping you land better deals and rates.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a><a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-514 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Set yourself on the path to financial freedom by developing these key money management skills.<\/p>\n","protected":false},"author":4,"featured_media":467,"parent":124,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[8],"topic":[301],"cluster":[399],"pp_author":[93],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the 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