To round up the first quarter of 2025, we asked the Flux community how they’re feeling about money and what they’re focusing on for the year ahead. 

It was clear in the Federal Budget and Budget response announcement that easing cost-of-living pressures would be a major focus for both parties. 

And, spoiler alert: The Flux fam are still feeling the cost-of-living pressures too…eek! 😬

When asked ‘What’s your biggest money-related concern right now?’ The top two responses related to spending too much on essentials, like housing, bills and groceries. And this isn’t a surprise - over the past 12 months, we’ve seen rent prices outpace wage growth in most major cities, and household grocery bills go up at least 5% with fruits and veggies hit the hardest. 

And maybe cos they’re spending their paycheck on SURVIVING, many Flux members felt they were saving too little.   

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But it wasn’t all doom and gloom for our Flux fam. Compared to 12 months ago, it seems most people in the community have a more positive outlook on the economy and their finances today.

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This checks out if we look at Australia’s inflation rate (CPI), which has been on a downward trend since the start of Jan 2023. Generally speaking, this means price increases for goods have begun to slow down over the past 24 months. 

Investor confidence has also improved over the last two years! The ASX200 index (which tracks the 200 largest companies listed on the Australian Securities Exchange) has seen an upward trend in the past 24 months (excluding the last couple of weeks). 

While the ASX200 isn’t an exact reflection of society, it suggests that Aussies are starting to feel a bit more optimistic about overall economic conditions. 

‍So what’s next?

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We’re starting to see a shift towards a whole new set of money goals!

In our 2023 survey, the Flux Fam was focused on ‘building good saving habits’ and ‘creating an emergency fund’. People were driven by a need to create a secure financial base because of peak inflation and economic uncertainty.  

But now in 2025, our Flux Fam’s biggest money goals are geared towards growth. This looks like paying down debt, saving for a property deposit, increasing income and starting to invest. We’re totally here for it! 🥳

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‍What investing habits does our Flux fam have right now?

For those who have big money goals but haven’t achieved them yet, here’s why… 

Get support

Whether you want to work on your money goals, stay up to date with the latest finance and business news, or simply start with understanding your money situation - we can help😉

‍Flux App 

1. Free spending tracker. Track and organise all your transactions in just a couple minutes!
2. Free subscriptions tracker. How many forgotten subscriptions might you still be paying for? We can identify these payments for you so you can redirect that $$$ towards your goals instead!
3. Free credit checker. If you want to purchase property in the near future, make sure you’re optimising your credit score for potentially better home loan rates! 
4. Flux Academy. Every month we feature one course for free, where you can improve your knowledge on the most important financial topics. 

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