Social Good

Keep, swap, stop and save

August 2015

You might think most of your money goes on big expenses. But often it’s the small, non-essential things, or ‘spending leaks’, you buy each day that really add up over time.

THIS WEEK’S ACTIVITY: Keep, swap or stop

If you’ve got a spending leak, or you’re having trouble reaching your financial goals, then you might find the ‘Keep, swap or stop’ technique useful. Some things you will choose to keep buying. Swapping allows you to enjoy the things you love but at a cheaper price, e.g. buying in bulk, buying a cheaper brand or even an alternative product. If you choose ‘stop’, you might  initially miss the things you give up, like drinks, snacks or magazines, but keep in mind that by doing so, you’re one step closer to achieving your goal.

Here are some keep, swap or stop examples:

●     A cup of coffee is only a few dollars. But if you buy one four dollar coffee a day, that’s $28 week, or $1460 a year - enough to cover a debt, pay for a holiday or even a new laptop. You could choose to stop, reduce how many coffees you buy each week or swap to making coffee at home. Even better, ask work to invest in a coffee machine to increase productivity and eliminate the wasted time it takes to do a coffee run.

●     If it’s a magazine, consider swapping for a cheaper subscription, find a free online blog or borrow magazines from your local library.

●     Consider swapping a gym membership for an outdoor workout like a run, or using weights at a home. Grab a friend to keep motivated.

Go on, try the swap, stop or keep technique now and get plugging!

Learn more at

MoneyMinded Monday

For more than 10 years, ANZ, together with a range of community partners, has helped nearly 300,000 people worldwide improve their financial skills through the MoneyMinded program. It's been so successful, we've decided to share a few ideas with everyone.

Each Monday, we'll share a simple, fun tip. So whether you want to learn better budgeting tips, reduce your debt or start saving, check back each week to stay updated. You’ll be amazed what’s possible when you take it one Monday at a time.

Other MoneyMinded Monday Tips:

Introduction to Money Minded   |   Week 1: Savings Tip |  Week 2: Needs and Wants Tip  |  Week 3: Smart Goals  |  Week 4: Money Planning  |  Week 5: Spending  |  Week 6: Paperwork


What is MoneyMinded?

MoneyMinded is an award-winning financial education course designed to help people build their financial skills, knowledge and confidence. Developed by ANZ, government groups and education experts, MoneyMinded has helped thousands worldwide and is still going strong.

Our investment in innovative financial education programs is part of ANZ’s commitment to help build the prosperity of people living in the communities in which we operate. Learn more about MoneyMinded, our community partners and other programs here.  

Our MoneyMinded community partners include

Find Your Possible

MoneyMinded  has helped thousands of people worldwide. Here’s what people are saying:

"I now have no problem saving and remind my family of the importance of focusing on the small things, such as shopping at the market rathre than the grocery store” - Shafan