Hi reader 

This month, we discuss ways to work your finances using Google’s free budget tool, plus we share some ideas on how to save money on your home energy bill.

We also offer some simple low cost tips to help kick those nicotine and caffeine habits to help boost your savings as well as your health and well-being!  
Plus, we take a look at how you can channel your creative side into a new career, and finally we announce the April Pot of Gold winner.

Enjoy the read.

The Safe Financial team
Popular articles this month...
Work your finances with Google Sheets
Not every budget tool or program has to be fancy with hundreds of features that you may or may not use. While these robust programs may be great for the super user, a lot of people find they only use a few features and can live without the rest.

So for those of you who want simplicity when it comes to budgeting, Google Sheets may just be what you're looking for. Google Sheets is a web-based program found within Google Drive - it's accessible from anywhere and completely free to use.

Three low cost tips to stop smoking and boost your savings
A pack of cigarettes in Australia costs between $25 - $30 dollars, at a pack a day that's an annual cost of at least $9,000! For those who do smoke, it's expected that the cost is only going to continue to rise, so for smokers looking for ways to save money, this isn't good news.

In addition to the habit being hard to quit (and expensive), if you opt for replacement products you're still spending on nicotine products and still putting substances into your body that keep you addicted!

Channel your creative side and become a freelance graphic designer...
Want to earn some extra money but don't have the time or financial resources to start a whole new career or business?

Have you considered freelance graphic design as a side job? It doesn't require a lot of upfront investment and you can earn extra cash at the same time.
Five tips to save money on home energy bills
One of the easiest ways to save money is to cut back on your expenses. There are a number of simple changes you can make in your daily life to help reduce your costs, starting with the home energy bill.

It's easy to forget about how much energy we do use. From forgetting to turn the lights off when you leave the room, to not turning off media devices, it's easy to let spending and usage get out of control.
Cut out coffee and soft drinks and save
Are you a coffee or a soft drink addict? Both of these drinks can be very addictive, in fact, according to, a 2013 Galaxy poll reported that people aged 15-49 get 50% of their total caffeine take from coffee alone. That's a lot of coffee and a lot of caffeine!

To make matters even more concerning, people tend to add sugar and dairy products to their coffee and soft drinks come packed with sweetness that makes it hard to put the beverage down.
Get a $100 fuel voucher with your next car loan
Car loans from $3,000 available now!

  • No deposit required
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  • Flexible payment terms
  • Pre-approvals available
  • No upfront fees
  • New and used vehicles; all makes and models
Plus, with any new car loan funded this month, you'll also receive a FREE $100 fuel voucher.
April Pot of Gold winner

Congratulations to 'J Amson of QLD' - the lucky $1,000 Pot of Gold winner for April. We hope these extra funds help you and your family out in some small way.

You could win too - t
ake out a loan during May for your chance to win a $1,000 Pot of Gold!
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when they've needed it. Click below to find out more....
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