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It is just that these type of topics get rehashed every 10 days, Cosmo talks about it, in fact any mag of that type likes to talk about it, and we get these new books every now and then talking about the same damn thing. I think the book had much lower rents / mortgages in mind than what the average Australian currently experiences. I do not know I was hoping for somethign with more content as opposed to 20% safe zone, 30% free to use , 50% into savings.5% goals account (for holidays, big ticket items, etc)10% "mojo" account (including a 00 safety buffer, and the rest for investing)35% everyday account (to do whatever the heck you want with)50% expenses account (the regular essentials/bills/rent that sustain a lifestyle) Anyone managed to live by such examples, and find themselves in a better financial position? I do not know I was hoping for somethign with more content as opposed to 20% safe zone, 30% free to use , 50% into savings.I understand a lot of them may be just common sense... I am normally quite good with budgeting and have saved quite a bit of cash on my own – but I was interested in the concept of the "Everyday" account, which basically gives me permission to do whatever I want with (movies/pubs/music/etc) and no longer feel bad about it – since I am still saving some for goals and investments... Cool lets all discuss all these sick budget tips, how Cosmopolitan has a section for dumb bimbo's, like wow 20% for safety buffer? It is just that these type of topics get rehashed every 10 days, Cosmo talks about it, in fact any mag of that type likes to talk about it, and we get these new books every now and then talking about the same damn thing.new fridge / car repair)Second Saving a/c: 3 months of net wage (to cover temporary unemployment) What sort of tools do people use to budget? How anal do you get about recording expenses and income?I realised that I don't really have a good handle on my financial position, and wanted to get into a routine of tracking income, investments, expenses, etc.Yes, it might be extreme, but I now see where everything goes :) I have 4 accounts and distribute on payday as follows 20% goes into shared account with spouse to pay rent, food, elec, gas, insurance, internet, phone etc 18.5% goes into personal expenses account for car costs, phone, health insurance, travel to work, rego etc 30% goes into savings account that I invest in a mix of shares, term deposits and high interest savings accounts 31.5% (remainder) I spend on lunch at work, going out, toys, hobbies and generally whatever I want.Since enforcing these rules on myself I havent paid a cent of CC interest, felt "broke" or had to worry about upcoming bills or upcoming holidays as I always have plenty of accessable savings.
If there's some tools out there that you recommend to make this easier, I'm all eyes!
But that's a derail ;) Probably a good starting point.
But then you have to work at refining the goals to your personal needs.
My "ideal" budget involves:21% Living expenses (groceries, household items, clothing, misc purchases, entertainment etc)11% Regular Bills (phones, internet, insurance, electricity etc)35% Housing Bills (rent/loan pmt, rates, insurance, water etc)33% Vehicle Costs (loan pmt, fuel, insurance, rego, repairs etc) I work with absolute $ costs not % though.
With savings goals of: Transaction a/c: 2 weeks net wage (to cover late pay or weird errors only)First Saving a/c: ,500 (to cover emergency purchases e.g. Online financial websites that let you track your portfolio?