Yes def join. We all have our little goals. I want to save money to buy things for my house so still spending but also knowing i am working towards something helps.
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15-02-2012 23:14 #161
17-02-2012 09:17 #162
I, too now have dental work coming up. For myself and my son. Exy!
OMG! What on earth were you doing up at this hour! Get to bed!
17-02-2012 12:01 #163
20-02-2012 11:50 #164Senior Member
- Join Date
- Feb 2012
I'd like to join too. I have recently been reviewing all our expenses and going through our budget again. I spent last year doing a post grad dip ed and I am now working (when I get booked) as a relief teacher - did temping for two months over the school holidays to get some much needed money in the door. So far I've only had 3 days in two weeks for relief though, which is not great but to be expected at this time of the school year. It should pick up soon but I am going to put my name down with some more schools tomorrow if I don't get a call.
Anyway, last year we had a lot of vet expense for one of our dogs and because I was also not working for much of the year we racked up a bit of debt on the credit card. My DH was working but it was not enough to cover everything (and we were seriously living on bare bones). So we have the credit card down to $7000 from $11000 in under two months but obviously with me not on regular work again it may be harder to pay off as much as we were over that time. So I have been trying to cut back in every way.
Not sure about anyone else but have you found that insurance costs are getting ridiculous?? My car and H&C insurance has gone through the roof since last year - both increased by $200/year. I shopped around and our existing deal was the best
I have started menu planning again (something I used to do but got lax about last year) and I am also growing our own veg. I also have started putting $100/fortnight away into a separate savings account (not much but as we need to pay the cc off first it is just for my own peace of mind to know we have some emergency money if needed) and keeping track of money set aside for monthly/bi or tri monthly/annual expenses.
I have always done a budget but not been very religious about sticking to it, whereas now I am much harder on myself and DH. If there is no money then there's NO money. Our savings is up to $650 which I am grateful to have sitting away quietly appreciating.
I have an ENT appointment today so I am hoping that whatever needs to be done will not cost too much and that my health fund covers some of it. But again I am grateful for the emergency money if needed. We also have septic tanks that need removing out the back and would need $5k for that which is another thing on my mind to save for so any tips for cutting expenditure and saving money is great.
Looking forward to reading about other people's savings missions.
28-02-2012 12:37 #165
Helloooo fellow savers.
HOMS- good to have you on board. Sounds like your doing all the right thing to maximise your savings. Is Private HI necessary? I found that I could put the premiums aside and pay for extras out of that and still be in front. Although- I don't have ongoing medical expenses and I'm a single parent on a health care card so will often use that to its full potential (waiting times can be annoying though).
AFM- I have reached the perm $2K mark. I am at $2,293 although I'll withdraw the $293 to pay some expenses (after the end of month and interest is accrued of course). So, I now can NOT go under the $2K mark and must be able to reach at least a perm $3K mark by end of March. $3K will be my personal best so I can't wait to reach that.
28-02-2012 14:16 #166on a self imposed ban
- Join Date
- Apr 2010
Hi everyone. Have been struggling to save but now I'm putting $20 away every week automatically in my ADDs UP saving account. They will match me up to $500 on first of July if I manage to not touch it. Must admit its very hard some weeks with all of my sons specialist appointments. Will be putting all of Marchs CS in there though if I get any. My goal atm is to have about $4000 with sups and everything by the end of the year.
28-02-2012 14:24 #167
Hi all, I want to join!
DP and I are trying to have saved $12k by June so we can buy a car. We want an 07ish model Mazda 3. Between us, we've saved $5600 so far (in 2 months) so I think it's a reasonable goal.
However, we're started IUI fertility treatments in Sept so I want to have saved an additional $7000 for that (gives us 2 shots of IUI - after that, we'd have to wait to save for a bit).
While I'm only paying $165 a week in rent (until end of July) I am saving at least $500/week of my $1200 pay, but I'm hoping to save $700/week and get rent, groceries and bills covered with the other $500. I don't know how it disappears so quickly, but it does :s
She gets paid fortnightly and isn't as dilligent as I am. She puts away $500 a fortnight and whatever is left in her account the night before pay day.
A little motivation in this thread would be fab though. I wish we could bypass the car and go straight to the FC, but I know we need a car or else life with a newborn will be a nightmare and it's best to do it while on 2 incomes!!!
Oh, and we have 2 jars in our room, one we put gold coins in and one we put silver coins in. The gold coin jar isn't even 1/4 full and already has $80 in it that money will become our car registration money.
I also have $3500 on my CC to pay off, but that's not a huge priority. I know it's wasted money but I'm trying to get it down another $500 and drop the limit and do that gradually.
Ways I'm saving:
- Not buying lunch - I eat at work, they provide food.
- Getting a bus, not a cab (DP gets way too many cabs) or using work's car (I'm a nanny).
- Taking advantage of dinners with parents - once a week at mine, one at hers.
- Taking advantage of 2 for 1 specials
- Not going to shopping centres...I know I'll buy frivolous stuff if I do so I shop at a stand alone Coles!
- Not going out with friends as often. Or going out for a limited no of drinks after eating dinner at home. Say, 2 drinks then we just head home or drink water!
Last edited by rainbow road; 28-02-2012 at 14:36.
01-03-2012 06:16 #168
$8.22 in interest!
Quick hi to RR and HELP. Will come back later to chat more.
02-03-2012 18:05 #169Senior Member
- Join Date
- Feb 2012
Good work SimplyMum. I got $2.32 on $600 odd so not too bad. Saving has halted for the time being for us as I am not earning enough. But we haven't dipped into it yet either. We have made leaps and bounds into eating healthy but on a budget though which is great and in continuing to pay money off the c/card. I just need more work now and we'll be on our way.
02-03-2012 21:11 #170mama bear
- Join Date
- Feb 2011
- In an apartment
iv gone into my savings quite a bit for things like bond for my new place, ctp, comprehensive insurance, petrol, 2 weeks full fees at two daycare centres, two weeks advance at two daycare centres. im down to about $7700, i want to get it back to 10k asap. hopefully i should be back to $8000 by next week
i started full time work last week, so i should be able to make regular contributions to my savings, but im also making contributions to my super annuation as i didnt have any contributions for 3 years.
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