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Figure out your spending style.
Take the challenge: spot your spending traps, total up the points, and unlock tips that fit your spending style.
What’s your spending score?
The trick to spending is spotting where you might slip up and making small tweaks that keep things fun…without leaving you short. Add up your points below and scroll down to find your spending style.
Bought something just because it was on sale?
Spent your student allowance on a night out?
Used AfterPay for clothes you didn't need?
Ran out of money before your next pay day?
Tap-Happy Spender (5+ points).
You’re all about living in the now. Swiping is fast, fun but sometimes it leaves you with nothing by midweek. Instead of cutting out the fun, let’s build some boundaries that help stretch your cash further without losing the buzz.
Your spending traps.
- Payday splurges: when the balance looks high, it’s tempting to spend big but it leaves bills scrambling to catch up.
- Late-night scrolls: that 11pm scroll can easily turn into a $100 “what did I just do?” moment.
- Delivery creep: one burger order feels fine but stack them across the week and the total stings.
Tips to level up.
Delete one app
Cut the one you overspend on most. Out of sight, out of mind.
Mute the spend traps
Unfollow the accounts that make you want to buy stuff you don’t need.
Track your tap
CashNav1 tracks and puts your spending into categories, effortlessly.
Vibes-Based Budgeter (3–4 points).
You’re not flying blind, you’re just rolling with it. Sometimes the vibe works, sometimes it drains the account. The trick is adding a little structure to your flow – enough to keep you on track while still letting you say ‘yes’ to the fun stuff.
Your spending traps.
- Trend temptation: sales and hype-drops sneak into your cart fast.
- Sneaky subs: that $9.99 here, $12.99 there. Together? They quietly drain your balance.
- Social overspend: every invite is fun… until your card taps out.
Tips to level up.
48-hour wishlist
Save it, wait two days, then see if you still want it.
Subscription Sunday
Once a month, review what’s still worth paying for.
Set alerts
Use alerts in Westpac One® to nudge you when your daily or weekly spend hits a limit.
Power Planner (0–2 points).
You like to stay in control, and it shows – your money usually has a place to go before it’s even spent. But even the best planners slip when surprise bills or small extras creep in. The key is making sure those little details don’t undo all your hard work.
Your spending traps.
- Bill pile-ups: when multiple bills hit at once, it can throw off even the neatest budget.
- Hidden extras: delivery fees, Buy Now Pay Later interest, late charges, they add up fast.
- Planning fatigue: after a busy week, the small stuff slips through.
Tips to level up.
Lock in fun money first
With Salary Splitter2 move your weekly “whatever” spend into a separate account.
Plan your splurges
Pick one bigger treat each month (concert, dinner, weekend away) and budget for it, guilt-free.
Auto-pay protection
Set up automatic payments so bills never sneak up (and late fees are a thing of the past).
Things you should know.
1CashNav Terms and Conditions apply.
2Account terms and conditions apply.