 Hey guys, my name's Celias and I'm the CEO of Savvy. We're a charitable organization that focuses on helping all of New Zealand youth with financial literacy. We're here to share three budgeting tips with you today. Tip number one is to have a goal. Everyone needs to have a goal that they want to save for. This could be anything from traveling or buying a car, even moving away from home. It's also important to know that saving in itself can also be a goal because you never know what could pop up in life. Tip number two is to take stock of your incomes and expenses. It's important to know what you spend your money on so that you can make better decisions about what to cut out in order to save more money. Tip number three is to save and budget with your family and friends. It always helps to do things in groups so that you can help encourage and support each other to reach your financial goals. If you need any more help with your budgeting or just want to come and have a chat about managing your money, come and visit us at the Student Centre in OGGB. Also, look out for our workshops that we're going to be holding around university.