So firstly I have a bit of a confession to make...I tried starting one of these this time last year and never came back I changed jobs in October '09 and as a result took at $220 per fortnight (post tax) pay cut. It was the best thing to do for every reason, except financial and i am much happier now then I previously have been.
As a result though, I am in a bit of a financial pickle! I am behind in my half of the rent. Due to hubby's work fluctuations, he pays so far in advance that it hasn't effected us. My credit card has maxed out and im not as far ahead in the store finance as i had previously hoped.
The last 12 months I haven't really looked at my budget...just sort of stuck my head in the sand got through BUT now I have had 2 pay rises and now get $100 per fortnight (post tax) then when I started the new job. Hopefully another one will come in July, but it depends on what the union pulls off (I work in state government).
My plan for January to June:
Car Rego and repairs due 15 Feb - $1000
Pay outstanding rent from 17 Feb to 12 May - 5 x $350.00 = $1,750.00
Loan for University trip due 9 June - $860.00
Plan for July to December:
I should hopefully get a tax return of approx $3,000 in July/August. which will be used to pay off my mastercard and the store finance.
Following on from that, my challenge will be to stick to my budget and start saving some money and paying more towards my personal loan.
Most importantly, I must check into the forum/this thread to ensure that I stick to my plan
Sorry for my ramble....I am procrastinating from completing an essay!
As a result though, I am in a bit of a financial pickle! I am behind in my half of the rent. Due to hubby's work fluctuations, he pays so far in advance that it hasn't effected us. My credit card has maxed out and im not as far ahead in the store finance as i had previously hoped.
The last 12 months I haven't really looked at my budget...just sort of stuck my head in the sand got through BUT now I have had 2 pay rises and now get $100 per fortnight (post tax) then when I started the new job. Hopefully another one will come in July, but it depends on what the union pulls off (I work in state government).
My plan for January to June:
Car Rego and repairs due 15 Feb - $1000
Pay outstanding rent from 17 Feb to 12 May - 5 x $350.00 = $1,750.00
Loan for University trip due 9 June - $860.00
Plan for July to December:
I should hopefully get a tax return of approx $3,000 in July/August. which will be used to pay off my mastercard and the store finance.
Following on from that, my challenge will be to stick to my budget and start saving some money and paying more towards my personal loan.
Most importantly, I must check into the forum/this thread to ensure that I stick to my plan
Sorry for my ramble....I am procrastinating from completing an essay!