Cash Flow in Your 20s

No fixed term contracts. Bring a buy phone outright with cash and just go on a month by month plan. If you're going to a gym, see if you can go to a gym and most of them should do this now or it's month on month. You've got to make sure your cash flow is as lean as possible because if you've got an opportunity to do something, you want to be able to say yes. The best money system in Australia is the one that works for you - keep an eye on every pay cycle, every week, every month. Be clear about what you want to do but don't waste any money until you know who you are.