Discuss your financial situation with a financial advisor, so you have confidence your affairs are structured in your best interests and you'll be looked after. Also talk to your family or trusted loved ones about how you've set things up, who your advisers are and if you've given anyone else authority over or access to your accounts. That way everyone will know and understand your wishes.
Setting up automatic payments or direct debits means that your regular payments will be paid on time and for the correct amount. Alternatively, if you have the account details for the person or business you want to pay you can set up Bill Payments through online or phone banking. We can also help you do this in a branch, if you'd prefer.
Keeping track of what you spend is a useful way to keep on top of your finances. You could write down everything you spend, keep your receipts, or regularly check your bank statements - different methods will work for different people. Remember, don't write down your PIN, passwords or other security details.
You can reduce the amount you're able to withdraw each day from an ATM. You can also reduce the spending limit on your credit cards. We can do this for you in a branch or over the phone. You just need to decide what amount would suit you and we'll make the change.
Familiarise yourself with the signs of financial abuse and ask people you trust to also know what to look out for, so you're not taken advantage of. Also be wary of people asking for your personal or financial information - even if they say they're calling from the police, the bank or some other trusted organisation. We would never ask you for your PIN or full banking password.
If you're having trouble managing your money, talk to your family or trusted loved ones about how they could access your finances for you, either by becoming joint signatories to your account or through a power of attorney or authority to operate. Talk to your wider family and get a lawyer involved so you know your best interests will be taken care of.