Trends in finance and technology accelerated rapidly in 2020 and the fast pace of change is tipped to continue this year and impact the way Australians earn, spend, save and invest. Our personal finances will be affected by the economy, financial markets and the vaccine rollout, according to money specialists, who say some trends are here to stay. Here are seven to keep an eye on. 1 LOWER INCOMES People management platform Employment Hero s head of financial wellness, Ray Jaramis, said Australians would earn less than they did last year. We saw a new record low for wage growth in 2020, which tells us employers simply do not have the same resources or cash available to pay staff the same pay rises and bonuses of previous years, he said.