A week before turning 30 I learned two things about myself; 1) I say things like ‘cusp’ – ugh who am I and 2) It is about time I become financially responsible. My boyfriend and I are aiming to buy a house in the next 12 months but with zero savings on my part this should prove quite difficult. The past few years of being on a student visa in Sydney, working part time and just generally being financially reckless have left me with zilch, nada, zero oh and some debt. Interest free debt but debt none the less.
For the next 12 months I have set myself an experiment of no unnecessary spending. Apart from groceries, fuel expenses, rent, bills and a monthly treat (I’m thinking of a book or something similar price wise) so I don’t binge on shopping. No make-up splurges – gulp, no clothes and no random crap from home departments.
I am fully aware that I am my own worst enemy when it comes to my finances. Maybe a self fulfilling prophecy from a visit to a psychic in New Orleans once upon a time but this is the situation I am in. I could take this to the extreme and cut down my grocery bill, move out of our rented Northern Beaches apartment or exclude myself from girl’s nights out but life is short and I’m here for a good time. Not a long time.
I’m hoping by having this experiment out in the open it may make me a bit more accountable and actually stick to my goals. Let’s see. Here’s to turning 30!
Who’s excited to be a grown up? ME!