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welcome
Managing your money effectively is a key part in helping you enjoy life. Reducing expenses is one way to make your money go further. However, effective management of your cashflow can also help you save and invest.
The Smart Money Guide will help you understand your spending, and put you on the road to greater financial security. With the guidance of your financial adviser, you'll know how to manage highs and lows in your budget and what to do with the extra dollars you free up.
It's easy to use and won't take long to complete. Simply enter your income and expenditure in the columns titled "Amount" in each section of the Smart Money Guide. Then choose the "Frequency" and "Start" date of your income or expenditure items from the drop-down menu.
You can save your progress as you go by clicking on the save button on the top right of the screen, you will be saving your copy of the Smart Money Guide on your personal computer.
Click Start now to get your finances under control.
Your name (optional) :
Tax rates applied :
When you have finished call your financial adviser or ipac on 1800 626 881.
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Gross income
↓
Tax
↓
Cash management trust
↓
↓
Total expenses
↓
↓
↓
↓
Debt & other
commitments
Day to day
expenses
Regular
expenses
One-off
expenses
Deficit
Surplus
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