Information and tools to help you take control of your personal finances.
Ready to get your finances in order? Our Financial Fitness course covers the basics of personal finance topics to help you understand key financial concepts and establish good money habits to work towards your desired financial future.
Helpful resources for business owners looking to build financial confidence.
Every business owner is in business to make a profit. If you're looking for ways to work smarter instead of harder, and maximise the return you’re getting for your hard work, then our video may be for you. We'll help you better understand the relationship between price, volume, and costs; managing costs; and maximising returns.
A collection of community-group specific resources to help build financial confidence.
Trish Frail, owner and operator of Thulii Ngemba café in Brewarina in North West NSW has converted her backyard into a café that specialises in cooking everything with a native ingredient. She shares her business lessons learnt and the joy she has in being a business owner.
How current events might impact you and your money.
December 2020
The ‘silly season’, as it’s affectionately known, means different things for different people but it generally brings with it many costs that aren’t part of our everyday. This article shares some simple tips to help manage the extra costs to help you avoid starting the new year with a financial hangover.
Whether you’re a budding business, dedicated community group or curious individual, our financial education resources are designed to help you feel more money confident. Powered by Westpac, the Davidson Institute is here to help you work towards the financial future you want.
Whether you’re a budding business, dedicated community group or curious individual, our financial education resources are designed to help you feel more money confident. Powered by Westpac, the Davidson Institute is here to help you work towards the financial future you want.
Being credit healthy is an important part of our financial journey. However, if it’s not managed well, it can have a detrimental effect on our financial position instead of improving it. This guide looks at some of the basics of borrowing and four simple steps that’ll help you become credit healthy and stay on top of your finances.
Download nowWhen you enter the world of ‘work’ there is a whole new set of financial terms and responsibilities to learn about. This guide explores the ins and outs of getting paid, encourages having a plan for spending and saving and introduces financial products to help manage money.
Download nowThis guide aims to help parents start teaching their children good money habits from an early age, fostering long-term financial confidence and wellbeing.
Download nowFrom saving your deposit to when you finally move in, there’s a lot to think about when buying a new home. That’s where a checklist can be helpful.
Download nowFrom saving your deposit to when you finally move in, there’s a lot to think about when buying a new home. That’s where a checklist can be helpful.
Download nowInterested in a self-managed super fund (SMSF) but not sure where to start? SMSFs are becoming increasingly popular but aren’t necessarily right for everyone. This video addresses the basics of establishing and managing a self-managed super fund.
Watch NowThere are some simple steps you can take to lend money to a partner, while protecting yourself and your finances. Read more in this Ruby Connection guide.
Read nowThe popularity of Buy Now Pay Later services is on the rise. But is it the right option for you, your shopping, and your finances?
Read nowWhen it comes time to step away from your small business, one option for exiting is to close the business down. While this is less complex than selling it, or passing it on, this article looks at some key things that it’s important not to overlook to help extract as much value as possible for you.
Read nowEvery business owner will leave their business at some point. How easy this will be and how much financial benefit you or your heirs will achieve will depend largely on how well you have planned for this transition. This article aims to help get you started.
Read nowWhen it’s time to exit your business, an exit strategy of selling allows you to realise the goodwill that you have built up. Having a solid plan for the sale of your business helps you extract the greatest value to move forward into the next phase of your life.
Read nowThe Davidson Institute’s Lisa Gissing talks to Rachelle Towart about her journey and the importance of planning and money management in running a successful business like Pipeline Talent.
Listen nowHave you got family or friends asking for money? Are you being Humbugged? Read Coen, Jean, and Kirra’s stories along with some tips to consider in protecting your money.
Download nowThe Davidson Institute is excited to be celebrating its 10th anniversary of helping Australians build their financial confidence and work towards a better financial future.
Read nowBuy now pay later services like Afterpay and Zip Pay allows you to buy something now and pay for it later. It’s important to understand these services and how they work before you sign up so you don’t end up like Kylie in this article.
Download nowOne of the keys to successful investing lies in understanding what you are looking to achieve from the investment, or what your strategy is. Getting your finance structured in a way that suits your investing strategy plays a large part in successfully investing in property.
Watch nowNeed to open a bank account? This handy checklist can help you prepare what you need.
Download nowRapid changes to the market can provide significant growth opportunities however if you dive in too quickly, the growth may be more harmful to your business than beneficial. This video covers understanding the impact of rapid growth on your cash flow, how to fund the required increase in assets, and how to measure the long-term effects on your business’s finances.
Watch nowEvery business owner is in business to make a profit. If you're looking for ways to work smarter instead of harder, and maximise the return you’re getting for your hard work, then our video may be for you. We'll help you better understand the relationship between price, volume, and costs; managing costs; and maximising returns.
Watch nowKeeping cash flowing freely is essential for every business. However, there are many places that cash can 'hide' in your business and slow down cash flow. This video provides hints and tips on where your cash may be getting caught up and how to free it up to help your business operate more efficiently.
Watch nowBusinesses face a very different landscape in 2021. To continue to thrive or even get back on track it’s important to take some time to become familiar with the 'new norm'. This video covers tools you can use to explore how things have changed so you can identify where there may be new roadblocks or opportunities for your business.
Watch nowA money plan can help you manage your money today and save for the future.
This money planner takes you through a simple step-by-step process to help build a budget that can support you and your family to achieve your money goals.
Download nowFinding that 20% deposit for your home isn’t easy however there are ways that your family could help. One way is by acting as a guarantor to help secure your home loan. Find out more by watching our Jargon Buster video.
Watch 'What is a guarantor' nowUnderstanding where your money goes can help you take control and create opportunities for you and your family. A money diary may be useful to help identify how you're using your money. Download your money diary today to help you achieve your money dreams and goals.
Download nowCOVID-19 has brought many changes to our lives and also to our finances. This video discusses some tips and tricks that might help you and your family manage your money at this time.
Watch nowGreg Gebhart from the ESafety Commissioner talks through a number of common questions from what a scam is, to different types of scams and what you can do to help protect you and your money from scammers.
Watch nowThere are many reasons finances can get off track but it’s important to take steps to get back on track as soon as possible. Our Managing Money guide is a step by step aid to help you get your finances back under control.
Download nowThis guide helps to understand basic governance requirements of a not for profit organisation.
Download nowSuperannuation is simply long-term savings for your retirement but as such could be the most important investment in your lifetime. View our jargon buster video to learn more about superannuation and making the most of it.
Watch nowDiscover how compound interest works and how it can help you grow your wealth over time. Watch the jargon buster video for more information.
Watch nowUsing Lenders’ Mortgage Insurance is one way to reduce the amount of deposit you need to save to buy a home. Watch the jargon buster video to find out more about how it can help you get into a new home sooner.
Watch nowBankruptcy is another term for personal insolvency, that is you’re unable to pay your debts. Find out more in our Jargon Buster video on Bankruptcy.
Watch nowThe amount of income tax you’re required to pay is based on your Taxable Income. Find out more about how your Taxable Income is calculated by watching this financial jargon busting video.
Watch nowYour credit score is vitally important when you want to borrow money. Watch this jargon buster video to find out what it is and how to keep yours healthy.
Watch nowBy looking at the money coming into your bank account and how you spend that money you can start to build your own money plan, or budget, for the future. This short video explains how.
Watch nowDo you know what you want your retirement to look like? Do you know how much money you’ll need to support that lifestyle? Do you have a plan for how you’re going to get there? Our ‘Planning your finances for retirement’ video aims to help you plan for the financial future you want.
Watch nowA key aspect of investing in property is being able to quantify the return you are achieving on your investment. How do you measure if an investment property is providing sufficient return and is line with your overall strategy to help make more informed decisions about where you invest your money?
Watch nowInvesting in property is one way of achieving your goal of increasing wealth but as with any investment it comes with a level of risk attached. If you’re considering investing in property it pays to understand the pros and cons.
Watch nowWant to invest but unsure where or how to start? Investing is one way to create wealth and achieve your financial goals but for many new investors it can be a daunting prospect. Our ‘Investing’ video will walk you through investment strategy, the many investment options available, and how to choose the right one for you.
Watch nowSuperannuation will be one of our most important assets when it comes time to retire. Why then do we not pay it more attention now to work towards a better financial future? View our 'Managing your super' video to learn 5 simple things you should know about your super.
Watch nowThere is a perception that a home is a place we live in, and an investment property is something that we make money from. But your home is not just your castle, have you thought about how to leverage it to finance things such as investments, education and more?
Our video 'Managing your home loan to get ahead' will focus on how you can use your home to grow your wealth and ways to help you achieve your financial goals.
Watch nowAre you in the market for your first home? Not sure where to start or what information to look for? Watch our 'Buying your first home' video and learn what steps you need to take to help buy your dream home.
Watch nowMany people have a very clear vision of how they want their life to play out from a personal perspective and a career perspective. This 'Planning for your financial future' video takes a high level, long term view of a financial plan that can help you to achieve your life goals.
Watch videoUnderstanding where your money goes can help you take control and create opportunities for you and your family. A money diary may be useful to help identify how you're using your money.
Download nowAn essential part of any financial plan is a budget. The Budget Planner is a 1-page step-by-step guide to help develop an effective budget to help you achieve your financial goals.
Download nowThere are many reasons finances can get off track but it’s important to take steps to get back on track as soon as possible. Our Managing Money guide is a step by step aid to help you get your finances back under control.
Download nowManaging money is a fundamental life skill so it makes sense to start teaching that skill from a young age.
Watch nowMany people have a very clear vision of how they want their life to play out from a personal perspective and a career perspective. Often, however, they don’t take the next step and look at the finances to support that vision.
Watch nowA budget is an empowering financial tool to help you take control of your money and financial future. But how do you create a budget that truly works for you?
Watch nowRuby Connection and the Davidson Institute have partnered to develop the Good Money Management booklet. In this booklet, we’ll show you how to track your expenses, save and budget, and set yourself up for a stronger financial future. It also provides some great information on getting paid, superannuation, and tips for protecting your financial future.
Download nowBorrowing is just one tool that we can use to get the things we want. But when is the right time to borrow? And how do we ensure we are not ‘borrowing ourselves into trouble’?
Watch nowMany of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 2 from a series of 3 guides to help you navigate through this difficult time.
Download nowMany of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 1 from a series of 3 guides to help you navigate through this difficult time.
Download nowMany of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 3 from a series of 3 guides to help you navigate through this difficult time.
Download nowThe Guide for Community Financial Officers is designed to help Financial Officers of community organisations, of all shapes and sizes, to take on the role with greater knowledge and confidence and to help Board Members to understand what is required of a Financial Officer.
Download nowAs demand for services increases and the available funding decreases it is vital that not-for-profit organisations ensure that their financial governance passes muster. Watch the Financial Governance for NFPs video to find out more about this important aspect of your organisation's governance.
Watch nowDo you run or are involved with a Not-For-Profit organisation? Watch this video to discover 7 tips to become more financially and business savvy when it comes to your NFP.
Watch nowThere are many reasons why, once you have arrived in Australia that you may need to transfer money overseas. There are a number of different ways you can do that.
Watch nowIf you work in Australia, you will most likely pay a portion of your pay to the government in the form of taxes. These taxes are then used to provide services such as roads, health, and education. Having a basic understanding of the taxation system helps you make sure you are paying the right amount of tax.
Watch nowAustralia has a retirement savings scheme known as superannuation. If you are working in Australia then you will be required to participate. This video briefly explains what superannuation is and how you can make the most of these long term savings.
Watch nowThis ‘Financial first steps in Australia’ guide aims to help you understand more about the financial system in Australia and how to manage your money in your new home.
Download nowWith many incomes reduced due to COVID19, we've put together a handy cost-cutting checklist which may help to ease some of the strain on your finances.
Download nowFinancial statements contain a wealth of information that savvy business owners can use to improve their business performance. Our 'Understanding Financial Statements' video helps unlock this information so you can better understand the numbers in your business.
Watch nowThe prospect of starting your own business can be thrilling but daunting at the same time.
Whether it’s a desire to be your own boss, or turning a passion into a job, there are many things to consider if you are thinking about starting a business.
Watch now
Want to learn to make the most of your cash flow? Or how to find cash that’s hidden in your business? Then view our 'Managing cash flow' video where you’ll learn simple ways to monitor and improve your cash flow.
Watch nowIs your business plan a living and dynamic document that keeps your business on-track? Watch our 'Business planning' video and ensure that you’re taking the essential steps to successful business planning.
Watch nowDiscover how you can use breakeven analysis to make important financial decisions in your business by watching our 'Using breakeven analysis' video.
Watch nowTake control of your cash flow. Join our ‘Optimising cash flow’ webinar to gain a better understanding of the Working Capital Cycle, learn how to create a cash flow budget, and more.
Watch nowDiscover how to optimise your business’s success with our ‘Optimising business planning’ video and start making the most of your business plan today.
Watch nowBeing able to accurately measure past financial performance helps business owners/managers to assess performance and identify actions to improve future business performance. This video on ‘Measuring Financial Performance’ demonstrates a process to measure how efficiently a business is performing.
Watch nowFrom managing cash flow, business planning through to managing growth and more, this webinar has the information you need. Watch our video to discover the 7 steps you can take to business success.
Watch nowGrowth in sales and profit is often seen as the primary goal for any business, however if rapid growth is not managed well it can be detrimental to a business. Watch our ‘Managing business growth’ video to discover practical tips and tools to help prepare your business for sustainable growth.
Watch now
