mob phones (mines prepaid, dp's is on a plan)
we use the internet on our phones or at the library. We don't have pay tv or a landline. We own the car too. No credit cards.
Off the top of my head:
Car rego x 2
Car insurance x 2
House and contents insurance
Body corp fee
Pre paid phone x 2
Victeach license x 2
Education fund for DD
Savings account for DD ($20 a fn)
Entertainment account for DD (covers swimming lessons, music etc - $25 a week)
Clothes/toys account for DD ($22.50 a week)
Pocket money x 2 (myself and DH - $50 a week each)
Food account ($32 a day)
Car service x 2
Savings ($200 a month)
Also you should look at the providers if gas, electric, phones, internet etc to find a better deal.
Consolidate your debts into a 0% interest credit card.
When shopping write a meal plan based on what you already have in your fridges, freezer and pantry so you use up what you have and only buy what is on your list. Also plan your meals that use only a few key fresh fruit and veg ingredients so you don't have too much in your fridge drawers that is likely to rot.
Buy non-perishables in bulk when on sale - think tinned tomatoes, pasta, rice, tuna, corn, peas. Bulk buy meat items and freeze. Buy generic brands if you can - things like flour, rice, tinned items.
If kids are still in nappies and you use Huggies, try another brand there are some great brands out there now that are good quality and that are cheaper.
Go through every room in your house and pull out things you no longer need or use and list them on gumtree if they're still in good condition - think sports equipment, electronic devices, kitchen appliances, baby items, toys, furniture etc.
Buy your kids clothes at best and less, big w, k-mart, target etc.
Set limits on what you spend on gifts.
Turn appliances off at the plug and turn lights off in rooms you aren't using.
Time your showers to save water
Make your own coffee at home and bring out and about in a thermos mug.
Always bring a packed lunch to work or if you don't work when you go out.
Stop buying fruit juices, cordials, soft drinks and replace with water (or sparkling only costs $0.75 for a litre).
Unsubscribe from all shopping emails and delete any shopping apps from your phone.
I recently did the same thing, trying to figure out what we can cut out.. there really isn't anything, except Foxtel -- however we are on a contract so locked in for now... and this is hubby's one luxury so he says no !!
We pay for:
Phone payments (handsets) x2
Phone bill (usgage) x2
Car insurance x2
Rego x2 (although 1 is unregistered at the moment)
Then extras that come up... excursions, birthdays, car servicing etc... We are on prepaid internet so only buy credit if we have the spare cash.
I did comparisons on insurance etc and we already have the best deals (I did this about 2 years ago as well)
For those of you with strata and body corp - do you need home insurance? Usually your body corp will cover building, you just need contents.
I just skipped around on our contents insurance and saved $200.
Pregnant for the first-time?
Not sure where to start? We can help!