By Sheila Freeman, Helene Richards
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If you buy a newspaper each day, take up the offers of regular delivery at a set price, a saving of well over $100 a year. • Pack a cut lunch for work or school; this will save several hundred dollars in a full year. • Try cutting out one or two packets of cigarettes each week. Saving $5 a week is more than $250 in a year. • Avoid giving in to your children’s pleadings for expensive, high status gear—these fads are usually short-lived, and then they will want whatever the next ‘craze’ happens to be.
I used to manage my money better when I earned less. What has gone wrong? The old saying that, ‘The more you have, the more you spend’, is true. Subconsciously you are aware that there is more money coming in, so you have adjusted your life to accommodate it. If you want to save the extra money, you need to do an appropriate budget and stick to it. YO U R BUDGET OR MONEY PLAN • 19 What if I need a little treat occasionally? Don’t become fanatical about saving money. Allowing yourself a small reward now and then makes it a little easier to keep to the budget.
20 • MONEY MANAGEMENT FOR WOMEN SAMPLE BUDGET SHEET (To the nearest dollar) INCOME (weekly/fortnightly/monthly) (circle one) Salary/benefit/pension $ Other income (for example, bank interest, $ family allowance, child support) TOTAL INCOME (weekly/fortnightly/monthly) (circle one) $_______ EXPENSES Housing rent/house payment council rates water rates maintenance/repairs furniture Food supermarket greengrocer/market milk and bread lunches, takeaway meals Insurance house and contents life medical Utilities gas electricity telephone mobile telephone Personal care clothes/shoes haircuts, and so on dental chemist (regular medicines) $ YO U R BUDGET OR Children child-care costs school fees uniforms textbooks pocket money child support other activities (sport, music, dance lessons) Transport fares petrol car registration and insurance parking costs motorists association (for example, RACV, NRMA) Miscellaneous alcohol/cigarettes entertainment/Lotto/holiday pets (vet.