Today: an instructional designer who makes $81,500 a year and spends some of their money this week renting rock climbing shoes.
Content warning: This article touches on instances of disordered eating that some readers may find upsetting.
Occupation: Instructional Designer
Location: Homebush, Sydney
Net Worth: $200,300 ($16,000 in savings, $64,000 in super, $2,300 in my Raiz investment account, $118,000 in home equity (shared with my partner)).
Debt: $435,500 ($432,000 on my mortgage (shared with my partner), $3,000 in university debt, and $500 on my credit card).
Paycheque Amount (Fortnightly): $2254.61
Fees: $250 for strata, council, and water fees.
Utilities: $180. It's usually a third of this and I get 'free' savings.
Car Insurance: $50
Pet Insurance: $45
Health Insurance: $100
Netflix/Stan/Binge/Disney+/Spotify/Prime: $95 (I split a lot of accounts with friends!)
Cat Food and Litter: $95
Savings Contributions: $450. I also use Raiz to round up transactions to the nearest dollar and invest the difference.
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.
12:30pm — Lunch is the rest of the soup. Why did I do this? As a treat for my brain, I decide to open the balcony door and sit on the doorstep to eat in the fresh air. The minute the door opens, the cats practically hurl themselves past me to enjoy the fresh new aromas of the outside world. It takes about three minutes for one of them to try and take a bite out of a peperomia, which I narrowly avert. This is not relaxing, and after 10 minutes I give up and take everyone inside.
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