118 118 Money is here to partner with you to achieve Financial Fitness and we have developed the 118 118 Money Financial Fitness Academy to help.

Achieving financial fitness takes commitment and daily awareness. But once you build these smart money habits, making smart choices will feel natural. Please read through our nine Academy Courses below

Each course is designed to help you on your journey to Financial Fitness and outlines some basic steps to help you train in new behaviours and reinforce old ones.

Academy Course #1

Build Financial Fitness: Start with This Simple Daily Habit

Achieving financial fitness starts with a simple but powerful habit: reviewing your bank account daily to understand your MoneyFlow. By consistently tracking income and expenses, balancing monthly, and creating a spending plan, you’ll take control of your finances and lay the foundation for long-term stability.

Academy Course #2

Building a Strong Financial Foundation

This course dives into three pillars of financial fitness: budgeting and expense management, credit health, and building a savings safety net. By creating a realistic budget, using credit responsibly, and setting aside funds for emergencies, you can take control of your finances, reduce stress, and prepare for a more secure future.

Academy Course #3

Real-Life Strategies to Save Money Every Day

This course provides practical tips to save money in daily life without sacrificing quality, focusing on food, shopping, household efficiency, transportation, and lifestyle habits. By making small adjustments—like leveraging loyalty programmes, curbing impulse buys, and embracing minimalism—you can uncover hidden savings, stretch your budget, and redirect funds toward building long-term financial security.

Academy Course #4

Smart Spending on Fun and Maximising Your Income

This course focuses on enjoying life affordably and increasing your income to build financial security. By choosing budget-friendly leisure activities, setting limits on social spending, maximising job benefits, and exploring side gigs, you can balance enjoying the present with planning for a stable financial future.

Academy Course #5

Financial Planning and Involving Your Family in the Journey

This course emphasises the importance of setting clear financial goals, creating a comprehensive financial plan, and involving your family in the process. By teaching financial responsibility, fostering open communication about money, and using community resources, you can build a financially aware household and work together toward long-term financial success.

Academy Course #6

Vacation and Holiday Planning on a Budget

This course provides practical tips for enjoying vacations and holiday celebrations without financial strain. By planning off-peak travel, budgeting for seasonal expenses, and focusing on meaningful experiences over material splurges, you can create lasting memories while staying on track with your financial goals.

Academy Course #7

Fraud Prevention and Personal Security

This course focuses on safeguarding your financial security through proactive measures like enabling two-factor authentication, using strong and unique passwords, and staying cautious of phishing attempts. By monitoring accounts, shredding sensitive documents, and securing online activity with tools like VPNs, you can protect your finances and maintain peace of mind.

Academy Course #8

Housing and Utility Management

This course provides practical tips for reducing housing and utility expenses by improving home efficiency, comparing utility providers, and exploring flexible living arrangements like house-sharing. Small changes—such as using energy-efficient appliances, insulating your home, and monitoring utility bills—can lead to significant savings and help you allocate funds to other financial goals.

Academy Course #9

Building a Strong Financial Mindset, Managing Bills, and Responsible Borrowing

This course focuses on cultivating a positive financial mindset, managing bills efficiently, improving financial literacy, and approaching borrowing with caution. By celebrating small wins, setting clear repayment plans, understanding key financial terms, and prioritising high-interest debt, you can build a resilient framework for long-term financial stability and success.