Get Six Weeks Ahead (and breathe easier)

The year feels lighter when you’re already in front. And the simplest way to get that feeling is to build a small buffer — around six weeks of bills and loan repayments. It keeps cash flow steady, protects you from late fees, and gives you breathing room when life wobbles.

How to build it (quick start)

List your essentials.

Rent or mortgage, utilities, insurance, transport and minimum repayments. Convert them into weekly equivalents, then multiply by six to find your buffer target.

Choose a timeline.

Eight to twelve weeks is realistic. Divide your six-week total by your timeline to set a weekly top-up you can stick to.

Automate it.

Set up a weekly transfer into a separate bills account so your buffer grows in the background.

Use windfalls wisely.

If it works for you, direct tax refunds, marketplace sales, or unused gift cards can be directly deposited into the buffer to reach your target sooner.

Protect it.

The buffer is only for the bills you listed. Daily spending stays separate.

Check in fortnightly.

Adjust up or down depending on how you’re tracking. Minor corrections early make a big difference later.

Why it works

You’re essentially pre-paying for peace of mind. A small, consistent top-up smooths the month, lowers missed-payment risk, and gives you more control over the week.

Ready to start?

Set up a bill account and automate your weekly amount today. If tidying debts would make this easier, check your borrowing power or apply now to see how better finance™ can support your next step.

Applications are subject to responsible lending inquiries and an affordability assessment. This is general information, not personalised advice.