Style and savings can co-exist. Credit Union explains how…

Sunday brunch, a silk set from Viktoria & Woods, another pair of vintage-cut Levi’s–women’s spending habits have long been dissected, dismissed and debated. But for what reason? The modern woman knows that money and meaning can go hand in hand. While outdated narratives still suggest that spending on fashion or lifestyle luxuries is at odds with financial responsibility, a growing number of women are quietly proving otherwise, balancing curated wardrobes with considered savings.With the right tools, you can do exactly that. Credit Union SA is championing an intelligent approach to money, proving that style and financial savvy can (and should) coexist.

Check In

Financial wellness starts with clarity. Begin by assessing your current situation: your income, expenses and goals. Then, track your spending to uncover habits that may be holding you back (yes, those sneaky subscriptions count), and review your superannuation–check investments, consolidate accounts and consider making voluntary payments. Finally, set a savings goal that inspires you, whether it’s a house deposit or a holiday. Small steps, smart tools and a little consistency can go a long way. Want to kickstart your savings? Look intoCredit Union’s Net save Account–with a four-month 4.75 percent per annum bonus rate, your pathway towards financial health is clear.

On Your Terms

Set clear boundaries–with yourself and the person you love. Planning for financial independence during a relationship protects against future heartbreak. Have honest money talks early, consider separate accounts for autonomy and explore financial agreements to safeguard assets. Equally important is setting limits on how you use credit: buy now, pay later services like Afterpay can offer convenience but may impact your credit score and borrowing power if used excessively. Managing repayments responsibly keeps your finances healthy and your future options open.

Smarter Habits

Dreaming of that car, a luxe wedding or a well-deserved getaway? Credit Union SA’s free budgeting tool helps you map out short-and long-term goals so you can plan with confidence. Trim where you won’t feel it, boost where you can. Set a realistic savings goal, automate it and let their Bonus or Net save accounts do the heavy lifting (or lock it in with aTerm Deposit if you’re playing the long game). Master the 50/30/20 rule: 50 per cent of your income on essentials, 30 per cent on indulgence, 20 per cent on savings. Then, flex the numbers to level up your financial game–an investment could be key. And saving doesn’t have to mean big sacrifices. With Credit Union SA’s Round-Ups(available via the mobile banking app), your everyday spending can double as micro-saving.Each time you tap, your purchase is rounded up, and the spare change is whisked into your savings. It’s effortless, automatic and surprisingly effective. No spreadsheets, no guilt–just passive saving while you live your life.

The bottom line? You can have nice things and build wealth. It’s not about being perfect–it’s about being in control. And Credit Union SA is here to support you every step of the way

Credit Union SA
400 King William Street, Adelaide
13 87 77
creditunionsa.com.au