We turn your financial overwhelm into financial confidence with simple step-by-step learning.
Obiemoney simplifies your path to money mastery with a 9-step roadmap across three essential stages: Optimise, Maximise, and Protect. We give you complete visibility of your all finances in one dashboard—from daily expenses to long-term investments—while breaking down complex financial concepts into actionable, bite-sized lessons. See the immediate impact of every decision and build the confidence to take control of your financial future.
9 Lessons You Can Start Today!
Stage 1: Optimise
➜ Lesson 1: Budget
Spend less without feeling like you’re missing out
Lesson: Cutting back doesn’t mean living on instant noodles. The key is spending smarter, not harder. Learn how to track where your money’s going, trim the waste, and free up cash for things that actually matter.
Action Step: Find 3 things you’re spending on that don’t bring you real value—ditch them.
Want to see real impact? Obiemoney’s Smart Budget helps you save up to 30% of your income and shows you exactly how to put that money to work—whether it’s paying off debt, building an emergency fund, or investing for your future.
➜ Lesson 2: Safety Net
Build your financial safety net (because life happens)
Lesson: One unexpected bill shouldn’t send you into panic mode. An emergency fund is your financial cushion, protecting you from job loss, medical bills, or surprise car repairs.
Action Steps:
Step 1: After cutting unnecessary expenses, put that extra cash toward your emergency fund.
Step 2: Use Obiemoney’s bite-sized lessons to figure out exactly how much you need.
Step 3: Set up automatic transfers to a separate savings account—out of sight, out of mind.
Not sure where to start? Obiemoney helps you track and set up the right types of emergency funds, tailored to your situation.
➜ Lesson 3: Debt
Crush your debt for good
Lesson: Debt is like quicksand—the longer you’re in it, the harder it is to get out. The trick? A strategy that works for you.
Action Step: Choose your method: Snowball (smallest debt first) or Avalanche (highest interest first) and start tackling that balance today.
Obiemoney makes it easy: With Obiemoney’s built-in Snowball Calculator, you’ll see exactly when you’ll be debt-free based on how much extra you can throw at it. Check out this article to see why this method works and how to use it to speed up your payoff timeline.
➜ Lesson 4: Save
Save more without even thinking about it
Lesson: Saving is key to financial freedom but as well know, decision fatigue is real. The secret? Automate it and let your money work in the background.
Action Step: Set up automatic transfers and pay yourself first.
Obiemoney does the heavy lifting: The Obiemoney Smart Budget feature shows you how to save up to 30% of your income and breaks down what to tackle first. Already have some savings? Just plug in your goals and timeline and Obiemoney tells you exactly how much to put away. Set and forget, it’s that simple.
Stage 2: Maximise
➜ Lesson 5: Invest
Invest regularly, build wealth easily
Lesson: Investing isn’t just for Wall Street bros, it’s how you make your money grow while you sleep. Even small, regular contributions add up big-time over the years.
Action Step: Start with putting as little as $25 each month in a low-cost investment account.
Obiemoney makes it simple: Our Smart Budget shows you how much you can afford to invest and where to start. Not sure how? Obiemoney breaks it all down in plain language, no finance degree required.
➜ Lesson 6: Superannuation
Retire early, retire in style
Lesson: Don’t wait until your 50s to ask, Will I have enough to retire? Start planning now, and future-you will thank you.
Action Step: Check your retirement accounts and see if are you saving enough? If not, increase your contributions now.
Not sure where you stand? Obiemoney’s Super Health Check helps you figure out how much you need, how long it’ll last, and whether you’re taking advantage of tax breaks.
Stage 3: Protect
➜ Lesson 7: Insurance
Simplify your Insurance (because adulting is hard enough)
Lesson: Insurance is supposed to protect you, not drain your wallet. Too much and you’re overpaying, too little and you’re at risk.
Action Step: Review your policies and ask yourself if you actually covered for what you need, or are you throwing money at unnecessary extras? Those pennies you save can easily add up.
Obiemoney makes it easy: Create your Insurance Dashboard on Obiemoney and see all your policies in one place. You’ll get alerts on review dates, be able to compare premiums, and take action to score a better deal. You’ll save a fortune.
➜ Lesson 8: Asset Protection
Protect what you’ve built
Lesson: You’ve worked hard to build what you have, so don’t let taxes, bad planning, or unexpected life events wipe it out.
Action Step: Set up (or update) your estate plan, so your money goes where you want it to.
Not just for the ultra-rich: Estate planning isn’t just about wills. Obiemoney helps you secure your assets, minimise taxes, and make sure your financial future stays yours.
➜ Lesson 9: Estate Planning
Your final to-do list (the one that really matters)
Lesson: No one wants to think about estate planning, but getting it sorted now saves your family from financial stress later down the track.
Action Step: Start setting up your will, power of attorney, and super beneficiary nominations today.
Obie Learn has you covered: Get a complete Estate Planning Checklist, plus direct links to trusted providers so you can compare your options, and get it done once and for all.
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