Want to get your banking back on track? These handy tips could help you simplify your finances.

Simplify your banking

ANZ believes that everyday banking should be simple - so if yours is getting complicated, it could be time to make some changes.

If you have a lot of small debts, you may be able to consolidate them with an ANZ Personal Loan. This could possibly reduce the total interest you're paying, and help you simplify your budget as you'll only have one loan, with one regular repayment.

Organise your finances

For example, by writing down how much you spend each month (and on what), you can see where your money is going. You can compare this with how much money comes in every month - are you happy with the difference?

You can use this information to help change your financial habits.

One easy regular repayment

Consolidating multiple debts into one personal loan could help simplify your finances. You'll have the convenience of just one loan, with one regular repayment to make which may even reduce the total interest you're paying. Plus you can enjoy knowing exactly when you'll pay it off.

Do the sums

When you're choosing a personal loan provider, do your sums carefully. Set-up fees, exception fees and interest rates combined can send the cost of your loan through the roof.