Ease and convenience make internet shopping tempting but what can you do if it gets out of hand?
Make it a priority to set aside cash for your loan repayments before spending on other items. We can all skip dining out but paying your loan is a must-do. With the loan repayment covered, you’re able to spend guilt-free or make additional repayments so you can pay off your home loan faster.
No matter whether your home is a 15th floor apartment or a house on a generous block, it’s easy to grow your own organic produce packed with nutrition, flavour and an extra serve of savings.
Every family will have a different idea of what the ‘thing’ should be – from fishing poles to luxe beachside units. You may be committed to private school for your kids while the neighbour loves flashy new cars. The key is to pin it down, agree on it with yourself and your partner, and don’t look back.
Money-wise Australians are looking for ways to get better value, and with a good chunk of spending going towards groceries, this is one area where smart shopping can serve up big savings.
Cut hot water usage by installing a three-star rated showerhead, and make those showers shorter – tempting though it is to linger on a cold winter’s day, it costs a fortune to run.
While your home loan rate may be wafer thin, chances are you’re paying considerably more on other types of debt. Your credit card for instance could be costing 15% – even 20%. A personal loan or car loan could have a rate of about 10-12%.
I knew something had to change when my garage was so full of stuff (Pentium 3 computer anyone?) that it could no longer accommodate a car without serious dents ensuing. I decided that enough was enough.
In his recently released book of the same name, British author and futurist James Wallman refers to this growing dissatisfaction with materialism as ‘stuffocation’.
It’s so easy for clutter and mess to build up in the home. We all start out with great intentions but life takes over, we get busy and suddenly “stuff” fills every nook and cranny with mountains of clothes waiting to be sorted and toys scattered everywhere.