{"id":12036,"date":"2026-06-23T10:05:19","date_gmt":"2026-06-23T00:05:19","guid":{"rendered":"https:\/\/investors-admin.raizinvest.com.au\/?p=12036"},"modified":"2026-06-23T10:10:22","modified_gmt":"2026-06-23T00:10:22","slug":"7-money-moves-to-make-before-eofy-2026","status":"publish","type":"post","link":"https:\/\/raizinvest.com.au\/investors\/blog\/7-money-moves-to-make-before-eofy-2026\/","title":{"rendered":"7 money moves to make before EOFY 2026"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img width=\"1050\" height=\"525\" src=\"https:\/\/investors-admin.raizinvest.com.au\/wp-content\/uploads\/2026\/06\/7-money-moves-to-make-before-EOFY-2026.png\" alt=\"\" class=\"wp-image-12037\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/06\/7-money-moves-to-make-before-EOFY-2026.png 1050w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/06\/7-money-moves-to-make-before-EOFY-2026-640x320.png 640w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/06\/7-money-moves-to-make-before-EOFY-2026-1024x512.png 1024w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/06\/7-money-moves-to-make-before-EOFY-2026-320x160.png 320w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/figure>\n\n\n\n<p>End of financial year (EOFY) &nbsp;isn&#8217;t just about tax returns and paperwork.<\/p>\n\n\n\n<p>It&#8217;s one of the few times each year when people naturally stop and think about their money. Where it&#8217;s going, what&#8217;s working, and what they&#8217;d like to do differently next year.<\/p>\n\n\n\n<p>The good news? You don&#8217;t need a complete financial overhaul.<\/p>\n\n\n\n<p>A few simple money moves before 30 June could help you head into FY27 feeling more organised, more confident, and more in control.<\/p>\n\n\n\n<p>Here are seven worth considering.<\/p>\n\n\n\n<!--more-->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>1. Give your spending a reality check<\/h3>\n\n\n\n<p>If you&#8217;ve ever wondered where your money disappeared to this year, you&#8217;re not alone.<\/p>\n\n\n\n<p>Take 20 minutes and review the last few months of spending. Look for patterns rather than individual purchases.<\/p>\n\n\n\n<p>Ask yourself:<\/p>\n\n\n\n<ul><li>What&#8217;s my biggest spending category?<\/li><li>Has any spending crept up without me noticing?<\/li><li>Are there expenses that no longer add value?<\/li><\/ul>\n\n\n\n<p>The goal isn&#8217;t to judge yourself. It&#8217;s to understand your habits so you can make more intentional decisions next financial year.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>2. Cancel subscriptions you&#8217;re no longer using<\/h3>\n\n\n\n<p>Streaming services. Fitness apps. Software subscriptions. Online memberships.<\/p>\n\n\n\n<p>Small recurring payments can quietly add up over time.<\/p>\n\n\n\n<p>If you have connected your accounts for financial insights or have Round Ups enabled, you can check all your subscriptions in the Raiz app from the My Finance section (found in the top left menu button).<\/p>\n\n\n\n<p>EOFY is the perfect opportunity to review every subscription and ask one simple question:<\/p>\n\n\n\n<p><strong>Would I sign up for this again today?<\/strong><\/p>\n\n\n\n<p>If the answer is no, it may be time to let it go.<\/p>\n\n\n\n<p>The money you free up could be redirected towards goals that matter more.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>3. Set one financial goal for FY27<\/h3>\n\n\n\n<p>You don&#8217;t need ten goals.<\/p>\n\n\n\n<p>In fact, one clear goal is often more effective than a long list.<\/p>\n\n\n\n<p>Maybe you want to:<\/p>\n\n\n\n<ul><li>Invest regularly for the first time<\/li><li>Reach a portfolio milestone<\/li><li>Build a house deposit<\/li><li>Start investing for your children<\/li><li>Fund your next holiday<\/li><\/ul>\n\n\n\n<p>Whatever it is, make it specific.<\/p>\n\n\n\n<p>A goal with a clear destination is easier to stay motivated towards throughout the year.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>4. Check if your money is working hard enough<\/h3>\n\n\n\n<p>Interest rates, insurance premiums and everyday banking products can change regularly.<\/p>\n\n\n\n<p>EOFY is a good reminder to review:<\/p>\n\n\n\n<ul><li>Your savings account interest rate<\/li><li>Credit card fees and rates<\/li><li>Home and car insurance policies<\/li><li>Internet and phone plans<\/li><\/ul>\n\n\n\n<p>A few small adjustments could leave more money available for the things that matter most.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>5. Get organised for tax time<\/h3>\n\n\n\n<p>Tax time becomes much less stressful when you&#8217;re prepared.<\/p>\n\n\n\n<p>Before 30 June:<\/p>\n\n\n\n<ul><li>Gather receipts and records<\/li><li>Review any work-related expenses<\/li><li>Check charitable donations<\/li><li>Make sure your details are up to date<\/li><\/ul>\n\n\n\n<p>Getting organised now can make tax season a lot smoother later.<\/p>\n\n\n\n<p>If you&#8217;re unsure what deductions apply to your situation, speak with a registered tax professional.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>6. Automate your investing<\/h3>\n\n\n\n<p>Good intentions are great.<\/p>\n\n\n\n<p>Systems are better.<\/p>\n\n\n\n<p>One of the easiest ways to stay consistent is to automate your money habits.<\/p>\n\n\n\n<p>That could mean:<\/p>\n\n\n\n<ul><li>Setting up Recurring investments<\/li><li>Turning on Round-Ups<\/li><li>Automating transfers towards specific goals into Raiz Jars<\/li><\/ul>\n\n\n\n<p>When investing becomes automatic, you&#8217;re less likely to forget about it or put it off.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>7. Track how far you&#8217;ve come<\/h3>\n\n\n\n<p>EOFY isn&#8217;t only about planning ahead.<\/p>\n\n\n\n<p>It&#8217;s also a chance to recognise your progress.<\/p>\n\n\n\n<p>Take a moment to reflect on:<\/p>\n\n\n\n<ul><li>How much you&#8217;ve invested this year<\/li><li>New habits you&#8217;ve built<\/li><li>Financial goals you&#8217;ve achieved<\/li><li>Lessons you&#8217;ve learned along the way<\/li><\/ul>\n\n\n\n<p>Progress doesn&#8217;t need to be perfect to be worth celebrating.<\/p>\n\n\n\n<p>Small steps taken consistently can add up over time.<\/p>\n\n\n\n<p><strong>Start FY27 with momentum<\/strong><\/p>\n\n\n\n<p>The end of the financial year is more than a deadline. It&#8217;s a fresh starting point.<\/p>\n\n\n\n<p>By reviewing your spending, simplifying your finances and setting yourself up for consistent investing, you&#8217;ll be in a stronger position for whatever goals come next.<\/p>\n\n\n\n<p>Because building wealth isn&#8217;t about making one perfect decision. It&#8217;s about making small, smart decisions consistently.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3>Don\u2019t have the Raiz App?<\/h3>\n\n\n\n<p>Download it for free in the App store or the Webapp below:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\"><img width=\"351\" height=\"84\" src=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png\" alt=\"download-raiz-app\" class=\"wp-image-3372\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png 351w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app-320x77.png 320w\" sizes=\"(max-width: 351px) 100vw, 351px\" \/><\/a><figcaption><span style=\"text-decoration: underline;\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\">Click to download the Raiz app<\/a><\/span><\/figcaption><\/figure><\/div>\n\n\n\n<p><strong><em>Important Information<\/em><\/strong><\/p>\n\n\n\n<p id=\"block-83f3112d-69de-47f1-8a46-34e4d5959ce7\">This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022) and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such information, you should <\/p>\n\n\n\n<p>This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022). The information has been prepared without taking into account your objectives, financial situation or needs.&nbsp; Before acting on such information, you should conduct your own review or consult a financial advisor before making a decision to invest. Please read the relevant PDS and any associated reference documents before making an investment decision. In accordance with the Design and Distributions Obligations, we maintain TMDs for our Funds.&nbsp; All documents can be found on the Raiz website www.raizinvest.com.au, or calling the Customer Support team on 1300 754 748.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>End of financial year (EOFY) &nbsp;isn&#8217;t just about tax returns and paperwork. It&#8217;s one of the few times each year when people naturally stop and think about their money. Where it&#8217;s going, what&#8217;s working, and what they&#8217;d like to do differently next year. The good news? You don&#8217;t need a complete financial overhaul. A few [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[4511,4525,19,1,20],"tags":[],"yst_prominent_words":[]}