Location: Maribyrnong, Melbourne
Salary: $95,000, plus $8,400 a year from renting out my second bedroom.
Net Worth: $132,927 (A two-bedroom, two-bathroom apartment in Maribyrnong that's worth about $530,000, $12,127 in an emergency savings account, $439 in a fun savings account, $233 in a housing expenses savings account (i.e. OC fees and council rates), $40,000 in superannuation.)
Debt: $406,000 on my mortgage, $42,752 in HECS, and a $1,120 Latitude Finance loan.
Paycheque Amount (Fortnightly): $2,532 per fortnight, plus $700 per month in rental income.
OC Fees and Council Rates: $550
Internet: $38 (Unlimited Wi-Fi, my share)
Bills (Electricity and Water): $100 on average (gas is included in my OC fees)
Contents Insurance: $30
Latitude Finance Loan: $40 (the minimum is $30, but I pay a bit extra to be ahead of payments)
HECS Debt: $579
Streaming Services (Netflix and Disney+): $22
Charity Donations: $45 (I sponsor the education of a Cambodian girl through Free To Shine)
Patreon Subscription: $1 (I subscribe to the Patreon of a YouTuber I really like for bonus content)
Spinning Wheel App: $1.65 (an app that tracks my menstrual cycle, the lunar cycle and the seasons e.g. equinoxes and solstices)
Total Tarot Magazine Subscription: $34
Public Transport: $15 (I drive to work due to having free parking, so my public transport costs are very low. I typically only use it to get around the city on weekends.)
Car Expenses: $0 (I’m fortunate to have a fully paid company car as part of my job, which includes any personal petrol and toll costs)
Health Insurance (Hospital): $61.85
Health Insurance (Extras): $27.42
Savings Contributions: $1,370
Did you participate in any form of higher education? If yes, how did you pay for it?
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
What was your first job and why did you get it?
Did you worry about money growing up?
Do you worry about money now?
At what age did you become financially responsible for yourself and do you have a financial safety net?
Do you or have you ever received passive or inherited income? If yes, please explain.
2:00pm — I remember I’m due to purchase another lot of my egg health vitamins. I order enough Omega 3, Ubiquinol and preconception multivitamins to last me for the next two months. It comes to $298.06. I transfer money from my emergency savings account to pay for it. $298.06