You work hard for your money. Now it’s time to make your money work hard for you.
At its core, financial fitness isn’t about how much you earn—it’s about the habits and behaviours you engage in regularly to take care of your future. Think of it as your financial wellbeing: how prepared, resilient, and in control you feel with your money.
But let’s be honest—it can be hard to prioritise long-term goals over day-to-day needs. One helpful mindset shift? Think about the future version of yourself—whether that's in five, ten, or twenty years. What can you do today to set that version of you up for financial peace of mind?
Just like going to the gym or eating well, financial fitness is built on consistency. It’s not about being perfect or knowing everything. It’s about regularly making decisions—daily, weekly, and monthly—that move you in the right direction.
So let’s run a quick Financial Fitness Check-In. Grab a pen, your Notes app, or a piece of scrap paper and answer the five questions below. At the end, we’ll tally your score out of 25.
21–25 - Financially fit and thriving. You've built strong money habits and you're on the front foot when it comes to your financial future.
15–20 - You're on track, with a few areas to strengthen. Keep going - you're building solid foundations.
10–14 - You're aware, but there's room to improve. Focus on one area at a time and build up gradually.
Below 10 - You're not alone. The first step is awareness—and you've taken it. Small, consistent actions can create big change.
Our top tip to start boosting your financial fitness? Track your spending.
Whether it’s for a week or a month, use an app, a spreadsheet or even a notebook. Becoming aware of where your money goes is the first step toward taking back control. From there, you can set goals, build a savings buffer, and start investing for your future.
Clearing debts like credit cards or personal loans can improve your financial position and give your investments a better chance to grow.
Once you’ve got your foundations in place—emergency savings, manageable debt, and consistent habits—investing becomes a natural next step.
At Skyring, we offer two managed funds designed for Australians who want:
Whether you're looking for flexibility with shorter terms or a competitive rate over 12–36 months, we can help your money grow—so it’s working just as hard as you are.
Track your score, revisit this check-in regularly, and celebrate your progress.
Your future self will thank you.
For more tools, tips and guidance, visit the
ASIC MoneySmart website
, or speak to a licensed financial adviser.
Getting started in investing doesn’t need to be overwhelming. With a clear financial foundation and the right strategy, you can make informed choices that support your long-term financial wellbeing.
Are you Financially Fit?
Financial Fitness Is a Lifestyle
The Financial Fitness Check-In
Question 1
I regularly spend less than I earn.
Question 2
I set financial goals and feel confident in achieving them.
Question 3
I have a system for managing money that I check regularly, and it gives me peace of mind.
Question 4
I have a plan to grow my money over time, so it keeps up with rising costs (inflation).
Question 5
I feel confident protecting my money from scams, have appropriate insurance, and know how I want to pass on my wealth.
How Did You Score?
A Simple Step to Start Today
How Skyring Can Help You Grow
Invest with Us
At Skyring, we are a boutique non-bank Australian income manager directly accountable to our investors. Our primary goal is to provide regular income solutions that support the ongoing success of your portfolio.
If you’re looking for an investment option that offers consistent monthly income, capital stability, and a simple, managed process—Skyring’s Income Funds might be a good place to start.
Our funds are suitable for a variety of investors, including individuals, companies, self-managed super funds (SMSFs), and trusts. We pride ourselves on transparency, with no entry or exit fees, and a straightforward online application process that can be completed in approximately ten minutes.
