For information on managing your personal finances, and links to calculators and tools, go to www.australia.gov.au/information-and-services/money-and-tax/personal-finance

The Australian Securities and Investment Commission’s Moneysmart website (www.moneysmart.gov.au) contains useful information about managing and investing money, including household budgets, banking, insurance and debt.

Dishonest people might try to trick you into giving them your money. If you have a complaint about depositing money, business loans, insurance, superannuation, investing and financial advice or if you are unsure or suspicious about an investment, phone the Australian Securities and Investments Commission (ASIC) on1300 300 630 or go to www.moneysmart.gov.au/tools-and-resources/how-to-complain