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Your guide to dealing with spending hangovers.
Woken up with money regrets? We’ve got you covered. Here are some quick ways to spot a spending hangover, as well as tips to help you build healthy habits and get greater at the money stuff.
Know the signs.
Spending hangovers can happen to anyone. Here are the signs that it’s happened to you.
What's your spending style?
Take the challenge: spot your spending traps, total up the points, and unlock tips that fit your spending style.
How to put the fun back into your funds.
Your money is yours. You earned it, and you deserve to feel good about spending it. Follow these simple tips to get back to better budgeting and smarter spending.
1. Know your limit.
Healthy spending means only spending money you’ve actually got to spare. Before your next shopping trip, try setting a limit and sticking to it.
2. Buy now, pay now.
“Buy now, pay later” services can make it really easy to go over budget. But late payment fees can stack up quickly, so it’s worth thinking twice before you turn today’s spending spree into tomorrow’s problem.
3. Make a spending resolution.
New year, new you, new “never again”. Turn your spending hangover to healthier habits in 2026. You’ve got this!
4. Spend with a friend.
Whether you’re shopping in-store or online, if you do it with a trusted friend, you can keep each other in check. It could make the difference between finding a budget-friendly bargain, or going on a bank-breaking binge.
Let’s get back on track.
Okay, so you’ve learned how to spot the signs of a spending hangover, and picked up a few tips and tricks to stop it from happening again. Now it’s time to move on and get greater at the money stuff - together.
Not with Westpac yet? Let’s change that.
Join us and explore tools, tips and products designed to help you stay on top of your spending.
Tools to avoid a spending hangover.
Managing Your Money Workshops
Our free, interactive workshops will help you feel more confident about making decisions about money.
Budget calculator
Use our budget calculator to figure out exactly how much money you can afford to spend.
CashNav
Keep an eye on your money the easy way – by letting our free CashNav app do it for you.