But, you then find the “financial independence, retire early movement (FIRE),” and almost overnight, you decide that your future will be dedicated to setting yourself financially free.

The mind-numbing tasks, the early mornings, late nights, horrible bosses-it all adds up. When you first start working a job, all you can think of is escaping your everyday responsibilities. Therapy: $300 after Medicare rebates.Being able to retire early is a blessing and a curse. I have a bunch of health issues so Chemist Warehouse is my best friend. Sacrificing my savings before they even hit my account is the only way I can ensure I won't dip into (read: destroy) my savings! I try to save an extra $500 to $600 per month in my personal savings account, but most months, this goes neglected in favour of paying off my credit cards. I can take out these savings in a lump sum once I'm ready to buy, thanks to the First Home Super Saver Scheme (FHSSS). Salary Sacrifice: $1,000 of my pre-tax salary is salary sacrificed each month and goes straight into my super to help me save for my first home. Petrol: $60 - our old Corolla has great fuel economy!Ĭar: Approx $100, covering basic third-party insurance, rego and twice-yearly servicing. It's a password-sharing merry-go-round!ĬlassPass: $80 on average for on-demand, flexible reformer Pilates classes, which I religiously attend twice a week. I share my Netflix password with my boyfriend’s family, who in turn share their Binge details with us, which I have further shared with a friend in return for his Amazon+ login, while my boyfriend pays for Disney+. Phone: $13.25 - the monthly fraction of the $159 annual charge I pay for a 365-day mobile and data pack from Aldi mobile. Internet: $45 for my share of unlimited high-speed home internet. Despite being a little small, the apartment is relatively new, has city views and gets the afternoon sun and best sunsets, so I feel very lucky to live here for a relative steal.īills: $90 for my half share of electricity and gas (hot water). I live in a two-bed, two-bath apartment in Preston with my boyfriend.

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