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Financial Guides

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We have a series of booklets that you can download to help you secure your financial future.

This series of booklets - called "Take Control" - are there to help with all aspects of personal finance from buying a house to protecting against identity theft and fraud. Simply click on any publication below to download a free PDF version.

Financial Guides: The 'Take Control' series

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Bricks and Mortar: A practical guide to buying property

It’s the great Australian dream - owning your own home.

You’re excited and enthusiastic and you just want to get on with finding your ideal property. But before you do, spend some time reading through this booklet. It outlines the basic steps of buying residential property, working out what you can afford, the best way to finance your purchase and what costs you’ll need to cover.

Credit Wise: A practical guide to getting & managing credit

Few of us get through our entire life without borrowing money. We borrow for various reasons – whether short-term or long-term – and if credit is used wisely, it can improve our lifestyle and financial situation.

This booklet has been written to explain the basics of getting and managing credit so you can take control of your finances and make credit work for you.

Dollars & Cents: A practical guide to budgeting & saving

Budgeting. It’s a word that makes many people think of rigid rules, tightening your belt and doing without the things you enjoy.

In fact, budgeting can be quite the opposite. It’s about knowing how you spend your money, so that you can afford more of the things you like. A budget should be realistic and useful and help you to achieve the things you want out of life.

Golden Egg: A practical guide to wealth creation

People often make the mistake of thinking that investing is only for the rich.

Taking control and creating wealth through investing is available to all of us, no matter how much or how little money you have to start with or how old you are. In fact, you don’t need a lot of money to get started and it’s never too early, or too late, to begin thinking about your financial future.

Lock & Key: A practical guide to protecting yourself & your assets

Protecting your interests is about protecting your personal and financial information as well as the quality of your assets.

This booklet has been put together to help you take control and work through the various different types of protection that you should consider for yourself, your family and your assets. Protect yourself from unforeseen events and untrustworthy people.

Wheels: A practical guide to buying a car

Buying a car is a big financial decision. Chances are, next to buying a house, it’s the largest financial decision you’ll make.

For younger people, it can be the first significant purchase you make and the first time you seek a loan. So, even though you’re excited about the prospect of owning a car, it’s normal to feel a little daunted by it as well.

This is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner or a registered tax agent. In referring members to Bridges, Select Encompass Credit Union Ltd does not accept responsibility for any acts, omissions or advice of Bridges and its authorised representatives. Examples are illustrative only and are subject to the assumptions and qualifications disclosed. Bridges Financial Services Pty Ltd (Bridges). ABN 60 003 474 977. ASX Participant. AFSL 240837. Part of the IOOF group.