Saving for a house

Well, I think its probably time that I'm back; its been a while.
I'm back because I have a goal this goal is to save $10,000 in twelve months.
This means $830 dollars per month approximately, which is a huge goal.

The thing about money is that you can still feel bad about spending it as you tick through the things you really want.

As a new to the workforce young woman, I've definitely found as my income has grown, so have my expenses. Now this would come from the independence that comes from working (and having my licence now...) however I have started to be more wary of this in the last few days and subsequently have found a few notes that I would like to raise to get the most of that income for both myself and maybe for you too.


Pay tax, the right way.

This is not something I myself had to worry about, however I have seen many of my peers be charged 'withholding tax' and this is something being taken by the Australian Government that is a charge for earning money without having a record to which citizens annual income this is making up. 

Quick fix: Call your bank, put down your tax file number and enjoy the extra money.

Don't hide from yourself. 

You know that thing you do, the one that I spoke about at the start of this post? The thing where you mentally you are a bundle of angst over the item that you're buying. That my dear one is the sense of guilt that you feel because you know that you could spend that money better elsewhere. Whether it is putting it in the savings account as part of the 10% savings from your wage or the bill money you really can't afford to spend, it doesn't matter.
Not so quick fix: be aware of your spending, over time become more calm with knowing if you're doing a great job of saving or whether you're... 'taking a break from saving'.

Keep your sanity

Saving doesn't mean to cut everything (although can be a medium for saving) it means literally to save some of the income you have. Whilst saving one of the biggest things that grinds my gears is feeling like I don't have enough money to enjoy life. You work for a reason, don't let the daily crunch, crunch you.

Quick fix: Allow splash money, however you much decide and that you've budgeted for that you can spend on anything. Save it 2 weeks in a row or week by week, but whatever you use it for; make it yours.