I've never really had savings but I have made an effort this year. I don't have much but it's enough to get me out of trouble if there's a problem with the car or something.
Based on my budget, I should be saving around $5k a year not including eofy supplements etc.
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19-08-2013 10:08 #21
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19-08-2013 10:13 #22
I've been saving this year for Christmas and a holiday. I've dipped into it at time but.
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19-08-2013 10:26 #23Senior Member
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I do, but it's such a tiny amount and never seems to increase much, so it's more 'emergency money' than savings. It's usually only tax time that money gets put in there.
I actually started it when my husband left, because my car has/had 400000km's on it so I'm waiting for the day that it blows up lol
Last edited by CMF; 19-08-2013 at 10:30.
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19-08-2013 10:28 #24
We do now! Never really did have before but now, yes
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19-08-2013 10:30 #25
I have a few hundred saved for a rainy day but our 'savings' go straight onto the redraw on our mortgage. So if we ever need cash we take it from there. It saves us paying interest on such a huge amount of money.
DH and I are both pretty good with no way and don't spend unnecessarily
My ex was hopeless with money and ALWAYS had maxed out credit cards such a pain when we wanted to plan a holiday etc...
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19-08-2013 10:30 #26
For those that don't save, Have ever thought about opening a account that is difficult to access. Than have a set amount deducted out of your account early hours of the morning you pay goes in. Some places will deducted into another acc the second it goes in. Start off small say $5 than increase it when you can. You won't even notice it that is gone.
19-08-2013 10:36 #27
She came to him for financial advice with a few thousand, just from saving $5 at a time.
So, although it's only a small amount being put away it will add up in the long run
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19-08-2013 10:41 #28
Yep we bank a proportion of dh's salary. It is a necessity to have a little in the bank in case of an emergency in case something happens re a family member and we need to get to the city unexpectedly. Bank account doesn't have much of a chance of accumulating at times because there is always something that crops up such as house renovations or something we need/want to buy. We seem to have a good run and then.....
19-08-2013 10:43 #29
I did this years ago, at the end of every day I would put any $5 notes and coins into a money tin (one that you have to open with a can opener). In 2 months I had over $300 in the tin :-) that was pre-kids though :-/
19-08-2013 10:50 #30
We used to have a lot saved, but used it for a house deposit.
We now put whatever we can into our mortgage account, and have a card we can redraw with if we want to. We try to make sure we always have at least a 20k buffer.. money in the account which is offsetting the interest, but not actually paying the mortgage. That's essentially our savings.
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