So you've come to realise your money situation just isn't up to scratch. But where do you start? You might be heavily in debt, living paycheck to paycheck, or just not meeting your savings goals. I found the same thing a few years ago, I had just spent a year working in Sydney earning a good wage and had returned to study in New Zealand. However, I had bugger all saved and soon found myself with a maxed out overdraft (luckily interest-free). So how do you start - you first need to know where your money goes.