Yes we put all our extra savings in the offset account. Not putting any away atm as I'm on mat leave but once I'm back at work most of my wage will go into savings.
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19-08-2013 10:51 #31
19-08-2013 10:53 #32
Yes we only just started in the past 6 months but have had a few big outlays we have had to make in that time so we basically had to start again. We have health insurance for tax purposes as well as car and house insurance.......
19-08-2013 10:57 #33
We dont at the moment because we've just had to spend it, but what I do is at the end of every day, check our account and say there is $256.75 in there, I transfer $6.75 to our savings account. I do that at the end of every single day, round down to the nearest $10 and it accumulates pretty quickly and we dont miss it.
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19-08-2013 11:06 #34
Yes I'm a huge saver. I have term deposits and then another savings account that I've set up my Internet banking to automatically transfer a set amount every week into that account. We use this money for large purchases we may need to make if there isn't any other money in our normal account.
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19-08-2013 11:12 #35
19-08-2013 11:15 #36
19-08-2013 11:19 #37
Yes we have an offset account and then we have an account for our newbie DD which we put $30 a fortnight into.
We were saving a lot more prior to me going on maternity leave I was putting half my wage into the offset account. Now im not putting any.
19-08-2013 11:20 #38
19-08-2013 11:21 #39
Yes I have savings. 2 lots actually. One of them is through the smith family - they match me dollar for dollar up to $500. So at the end of 10 months I'll have $1000 ($500 of which I've deposited). You should look into it
The other lot is being used for a surgery in Oct. But once I've paid that I'll continue to save and just build it up again.
I still have PHI, income protection, go to concerts, dinners/nights out etc. I don't really buy 'stuff' though. I used to go shopping just for the sake of it years ago. Now I only buy things I need. I just don't get the same happiness from materialistic things that I did when I was married.
Last edited by Theboys&me; 19-08-2013 at 11:25.
19-08-2013 11:21 #40
We do. It's the first time we've ever been able to! Basically both salaries go into our joint account then hubby works out what we need to cover rent and bills plus food. Then we also both get $50 each week into a personal account. Everything else goes into an online savings account that we don't touch. We only have about $15000 in there at the moment but neither of us earn a huge amount so it's brilliant for us! We go with ubank cause as long as you put in $200 each month you get a higher interest rate but we can also access the money straight away if there was an emergency
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