+ Reply to Thread
Page 5 of 18 FirstFirst ... 3456715 ... LastLast
Results 41 to 50 of 174
  1. #41
    Join Date
    Apr 2006
    Posts
    8,705
    Thanks
    581
    Thanked
    647
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Widg! I Live in West Sydney!!!! I WORK in West Sydney!!! Go figure!!!

    BB- good luck. Sometimes- outside influences and other people can be our biggest battles! But hang in there. I worked out my budget on an Excel spreadsheet. Once you get started- you start cutting out things you didn't think were possible to cut!

  2. #42
    Join Date
    Aug 2010
    Posts
    2,654
    Thanks
    736
    Thanked
    423
    Reviews
    1
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I understand what they're saying... But those items (fridge etc) are things you NEED. Also the initial outlay to buy them is a once off... They should last you a while! Can you look at putting some things on layby now? I put washing machine, crockery, cutlery, pots, pans, toaster etc all on layby at big w 4 years ago before I moved out. And its all still going strong today :-D

  3. #43
    Join Date
    Apr 2011
    Posts
    77
    Thanks
    0
    Thanked
    7
    Reviews
    0
    good luck reaching your goals!!

    We are also on a savings mission! I desperately want to get rid of all our debt in the next 5 years! We currently have a $50,000 car loan, $30,000 of credit card debt and $15,000 in personal loans!!! OMG! (and a mortgage on our house). DH and I both make good wages in the region of $180,000 p.a, so it is not a matter of not being able to afford to repay the loans, we are managing very comfortably really, but I want to do some MAJOR renovations to our house (building a two story extension) and I really want all our loans, bar the mortage paid off before we extend the mortgage to cover the renovations.

    So far this week I have dropped our weekly grocerery bill from $400+ for the week down to $150 by meal planning and buying all our cleaning and personal hygine items in bulk onling (on the 'shopping run'). We have also cut out takeaway which we would usually spend $100+ a week on (this includes DH and I buying lunch every day), again I have done this through meal planning and making sure that I've got lots of quick easy options for us to cook.

    All in all not a bad effort saving $300 this week just on food/groceries!!

  4. #44
    Join Date
    May 2011
    Posts
    272
    Thanks
    3
    Thanked
    103
    Reviews
    0
    Ok I am in, I have been watching this thread and going wow how do you all do it.
    I have decided enough is enough im starting to save properly. I am going to pay cc debt off as soon as possible (come on tax time) then throw thme out!!!!!!!!!
    I have to stop shopping spend so much on stuff i dont need.

    MY GOAL is to put away at least $100 every week. I know i can do went on a holiday and did heaps more than that in about 5 weeks had over $800 so why am i broke now.

    Need to start getting back on track properly. By the end of the year I want $3000 in the bank account so dont have to worry anymore.

    THANKS FOR THE INSPIRATION

  5. #45
    Join Date
    Feb 2008
    Location
    Brisbane
    Posts
    12,292
    Thanks
    1,571
    Thanked
    1,225
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 postsEmerald Star - 10,000 posts
    Awards:
    Past Moderator - Thank you
    Bubhub Blogger
    for me all my 'savings' go onto my debt bar for a couple hundred that i leave in a linked high interest account as a buffer.

    I still have well over 10k owing on the card so savings go straight there. In fact most everything goes straight there cause i pay all bills and groceries that i can from the ccard to get fresh spend and thus reduce interest paid (use the interest free days). Using the credit card saves me 50-100 a month on an 11% interest rate.

  6. #46
    Join Date
    Mar 2006
    Location
    brisbane
    Posts
    4,922
    Thanks
    12
    Thanked
    97
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I'm on a savings mission too I'm hoping our tax return will wipe our cc debt then all extra money will go into our mortgage account. I'm going to laybuy things instead of buying out right. Hopefully by the end of the year we will have a good amount of savings. Good luck everyone

  7. #47
    Join Date
    Oct 2009
    Posts
    1,500
    Thanks
    281
    Thanked
    267
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    It's encouraging to read this and see how well people are doing!

    But the setbacks!! Aarrghhh!!

    I was doing so well, then I had a minor car accident which ended up costing in the vicinity of $2000 (I was deemed at fault), then I get caught up in class one day and come back only 10 minutes over time to find a nice surprise from the city rangers in the form of a $200 parking fine on my windscreen, THEN I get a letter from the ATO chasing me up over an unlodged tax return from 7 years ago, with a kindly reminder that there will be a $550 fine attached to it.

    Disheartening as it is, I guess I just need to pick myself up and keep moving along!

  8. #48
    Join Date
    Apr 2006
    Posts
    8,705
    Thanks
    581
    Thanked
    647
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    That's right! Just pick yourself up- add it into the budget and move along. Save for it now and by the time the bill comes around- you'll have the amount saved plus a little in interest.

    Big hugs Mys! Sucks when everything comes at once!

    Well, I'm still stingy! As always- it's petrol! I went with one tank last week- almost didn't make it but after a disaster planned lunch (where I got my uneaten meal for free)- I had a spare $10 in my hand! So- in the tank it went. Which now, should get me to tomorrow when I can fill the tank up again!
    On the other hand- my cc went overdrawn because of interest charges. I left it until I could pay it (a month later- no fees for overdrawn) and paid it. What happens? Another interest charge! Grr. That's it!!! I'm paying the damn thing off! The interest will kill my savings. So- slight change of plans. My savings will go towards my cc- pay it off than re-commence saving. Still, I class the debt repay a form of savings so I still qualify to be in here!

    Good work everyone else though. Doing well.

  9. #49
    Join Date
    Oct 2009
    Posts
    834
    Thanks
    18
    Thanked
    54
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Extraordinary pay off the cc just means you will have more to save

    I going to join u girls, dh and I bought our home 2 1/2 years ago when we were both 2nd year apprentices so we lived tight, saved hard and bought cheap, well with in our means thinking that as we got our yearly pay rise we could save more, life would be easier, only we got slacker and spent right to the limit. We don't have cc so we only spend what we have, we did borrow extra for renovating but still a very modest home loan. Now though we are going through ivf which requires me to save $250 a week, as after this cycle we have cleared our savings :s so back on track!!! Dh qualifies next month so I need to get in the habit before then

    I pay water and electricity weekly, so they always come paid and both are now about 6 months ahead

  10. #50
    Join Date
    Jan 2008
    Posts
    8,245
    Thanks
    1,772
    Thanked
    2,017
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Awards:
    100 Posts in a weekBusiest Member of the Week - Most posts for the week ended 19/6/2014
    Extraordinary I think paying off your credit card first is the best way to go about it. I did this last year. I had a stupid amount of cc debt.. $10k or so..Thanks to the ex then being homeless. I managed to smash this down and had it all paid off by September. So in September i started saving as much as possible.. So hopefully by this September i will have at least $15k. I have just paid my car insurance which had gone up by a $100 and something since last year, have a massive service on my car coming up and i really need to get around to making a really expensive dental appointment i keep putting off.


 

Similar Threads

  1. Bub Hub on a Mission for Dad's
    By BH-bigbadbrad in forum Dads Chat
    Replies: 80
    Last Post: 07-07-2014, 13:59

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
Pebblebee
Parents spend hours looking for things they need NOW. The keys, the remote, darling daughter's treasured teddy. Stop wasting precious time looking & start finding with Bub Hub reviewed Pebblebee Smart Tag. Simply attach a Pebblebee and find it fast.
sales & new stuffsee all
Wendys Music School Melbourne
Wondering about Music Lessons? FREE 30 minute ASSESSMENT. Find out if your child is ready! Piano from age 3 years & Guitar, Singing, Drums, Violin from age 5. Lessons available for all ages. 35+ years experience. Structured program.
Use referral 'bubhub' when booking
featured supporter
Softmats
Softmats specialises in safe, non-toxic, and durable play mats. The international Premium Dwinguler™ Play Mats and Premium Bubba Mat™ range of floor spaces are the best quality in the world.
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!