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Bushfire assistance: Bank Australia is concerned for the safety and wellbeing of the people and communities affected by the bushfire crisis currently affecting many areas of Australia. Customers who need help can call us on 132 888 Monday to Friday 8am-8pm and Saturday 9am-2pm (AEDST). If you are insured by Allianz Insurance, support is available to customers 24/7 by calling 1300 555 030. View details

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If particular purchases are really important, you should set them as savings goals. Having savings goals means you commit to regularly setting aside money (say, weekly or monthly) and not touching it until you've reached your goal. Usually it means starting with a budget covering all of your expenses plus some for savings, and then sticking to the budget so your savings grow.

Open a savings account and make regular deposits. A Bonus Saver rewards you for making deposits and not withdrawing them during the month.