My saving tricks for 2020

Hi guys!

Towards the end of 2019 I went to Europe for 4 weeks before Christmas and then over new years I had ANOTHER 3 weeks off.

Because I hadn’t accrued enough annual leave yet I went this whole period unpaid and I made sure I saved enough so that I wasn’t struggling.

We’re now a month into 2020 and I’m now working on saving those funds again so that my boyfriend and I can go to the U.S. next year. So, because I did a swimmingly good job at saving last year, I figured I would write a post about my top 5 saving techniques that did me a world of good in 2019:

  1. Do up a budget

I had to do an Excel spreadsheet course last year after my boss realised I truly am (was) hopeless with the whole program. Truth be told I am hopeless with numbers, as soon as they started adding the alphabet to math I was a goner. BUT, I found doing up a budget of my weekly and monthly expenses in Excel incredibly helpful for saving. Having my weekly pay plus all of my expenses in front of me helped me work out how much money I actually had left over and effectively stopped me living beyond my means. If you are not Excel savvy, there are many free online budget templates that you can download and are easy to follow.

2. The $5 challenge

I came across this challenge a while ago, it was first brought up by Marie Franklin who last reported that she had saved $40,000 USD over the course of 13 years just by saving every $5 note that came into her possession. This saving trick is especially easy if you grab coffees on the reg (guilty) because honestly before you know it you’ll have $50 worth of $5 notes in your wallet and will need to deposit. Last year, I used my $5s to pay for my car rego and insurance and it didn’t feel like I lost any money because my savings didn’t take a hit in the bank!

3. The $2 Coke Bottle Challenge

Can you tell i’m a fan of a savings challenge? I’m still doing this challenge that I started last year. I came across it on this post and I guess only really works for $2 Australian coins. The idea is that you take an empty coke bottle (600ml or 1 litre) and fill it with $2 coins. A 600ml bottle effectively saves you $880 and a 1 litre bottle saves you $1510, How could I say no? I started this challenge with my mum and dad and I think we all thought we would reach the $1510 a lot quicker than what we thought! While I was overseas I’m pretty sure someone took money out of my bottle (My dad thinks his got jipped too). But I am aiming to have it filled by this August-September so that I can buy a plane ticket (go figure).

4. Bringing a packed lunch to work everyday

Last year I started working full time, I would often run late in the mornings and just say to myself (I’ll just buy a frozen meal from Coles). What could be the harm, right? WRONG. I was doing this roughly 2-3 times a week for two months, average meal costs $5.50, we will average the meals out to 2.5 frozen meals a week for these two months, that is $55 gone just because I wasn’t organised enough to make up something at home? I know, $55 over 2 months doesn’t sound like much, but it’s not a good habit to have when trying to save because those costs do add up! Bringing a packed lunch to work everyday can make SUCH a difference to your weekly expenses and how much you can dedicate to savings each week.

5. Take up a hobby

I found last year that going skiing in winter and spending a lot of my afternoons at the gym stopped me from mindlessly spending my money on things I don’t need. I am not saying take up skiing, the only reason this is effective for me is because I do not have to pay for accommodation. What i’m saying is find something that will keep you occupied in free afternoons, whether that be the gym, taking your dog for a walk, reading, whatever it is, just not shopping. And from personal experience, not netflix that you watch on your laptop because that inevitably lead to online shopping for me.

 

Those are my money saving favourites, I hope they can help you out a little as well. Happy saving my friends !

Kathryn x

What’s up with me

Hi guys,

I hope everyone has been well. I haven’t posted in ages and the only real excuse I have is that life just gets busy. During winter I was spending a lot of my weekends skiing and when I wasn’t skiing I was helping around the house to help my parents out. I’ve also been working on my own self care as I resigned from my second job two weeks ago and have decided to spend my now abundance of spare time doing things that make me genuinely happy. Things like watching netflix shows, playing with my dogs, going to the gym and reading, just to name a few.

One of the main reasons I’ve decided that I need to practice self care more is that I was recently diagnosed with Scoliosis Kyphosis. For those who don’t want to read the link, its a spinal curve both as a sideways ‘S’ shape and a forward spinal curve. A couple of my vertebrae essentially didn’t form properly, leading to these curves. It’s something that while it has definitely taken a toll on my self confidence, its not that major. The one relief I got out of the whole process was that there was a reason behind my chronic back pain.

Scoliosis is something that is generally spotted at an early age (pre-teen) but was missed with me. I had a specialist tell me that it was missed purely because I have managed to grow a centred torso, whereas a lot of patients will be slightly off to one side. In the words of the surprisingly blunt specialist “You’re quite centred, so I can understand why this has only been spotted at 22, others are quite unaesthetic”.

Those who are diagnosed at a young age can generally stop it from getting any worse, if you’re an adult though its a bit trickier and I was pretty much told that ‘it cant be fully straightened, but it can be prevented from getting any worse’ (yay me!).

I am in no means trying to organise a pity party for myself. I personally believe that admitting your challenges and discussing them with others is a pillar of self care. This is the card I have been dealt and that’s okay. I did a face mask and watched a rom-com, now I’m ready to face this challenge and move on. How are you practicing self care and what does it mean to you?

I’m off to the THIS THAT festival this weekend, hopefully have some nice pics to share then, for the time being enjoy this photo of me before going to Yours & Owls the beginning of October xx

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Afterpay management class

I know some of us can admit to being an absolute afterpay fanatic. I for one love to chuck a few of my spontaneous, impulse purchases onto my afterpay account. However, it’s important to do it in moderation and to not rely on the fact that “future you will handle it. One thing I found over the Christmas and New Year period is that those little ‘$22 per fortnight payments’ add up if there is 6 of them going at once. I thought I would write a tiny post about how to manage them properly so you’re not having to accrue interest on the payments because you can’t pay them in time (we’ve all been there).

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  1. Make purchases on alternate weeks

If you have a couple of events coming up or its a seasoned sale, try making your afterpay purchases on opposite weeks so you’re not having 3 lots of $20 come out in the one week. While $60 isn’t a lot, with other bills to pay it can make all the difference with organising them to come out weekly and not fortnightly.

  1. Enable notifications on the Afterpay app

Having the payment notifications enabled on your Afterpay app can allow you to be more wary of what needs to be paid and what has been paid. If you’re forgetful like me it can be a nasty shock to have random payments come out at once when you had plans for that money (food in my case). It’s overall handy to have the app downloaded to your phone anyway because the emails aren’t as much of a push to pay (for me at least).

  1. Try paying off a couple small ones when you get paid

When you get that sweet sweet paycheck into your account, try to pay off one or a couple of your afterpay payments while you’re paying your bills. Not only does it lessen the old afterpay debt it makes you feel organised af and means you can worry less about another purchase you’re gonna whack onto afterpay.

I know these are fairly straight forward and some of you probably already do this, but sometimes it’s nice to have a little (rather upsetting) reminder that money doesn’t grow on trees and we gotta be conscious of how many hits the old spendings account can take (mines about to cop a sephora order, ouch).

Happy spendings!

-Kathryn xx

Why applying for graduate jobs is so exciting

Welcome back!

Last time I left you with an incredibly negative post about job hunting after uni and how the unrealistic expectations set by society puts pressure and stress on recent graduates to land a job as soon as they leave their final exam.

For this post I want to talk about how exciting job hunting can be after university and how it enables you to discover what you truly want to do after university.

I’ve found for me that looking at graduate opportunities makes me really want to succeed, despite the many jobs I’ve applied at and how little I’ve heard back from them, I still get excited at what I could be doing. That probably sounds a little sad, but I want to stress that it isn’t. I’ve always been a firm believer in that everything happens for a reason and that if you want something you must work to get it.

In my first year at uni, I told my mum “I will be successful” and I’ve carried that thought throughout my whole degree. Which sounds cringey, but honestly keeping that thought in my mind really helped me through my degree.

My personal view point for applying for jobs is that I need to be able to see myself doing and loving the work that I anticipate will be given to me (if i get hired of course). I recently turned down an internship due to it not being the right fit for me. It felt all sorts of wrong saying no to someone, even though this internship was in one of the industries I want to work in, I knew that it wasn’t the right place for me and that I had different opportunities in store.

Applying for jobs now that I have finished uni allows me to fully see what type of opportunities are available to me and makes me excited to excel further in my career.

I know with my last post I sounded incredibly angry at the system and came across that I was angry at uni for making like “so hard” for a privileged white girl. In reality, university allows you to open your mind to all these opportunities that if you apply yourself that you can achieve them.

I may have finished my job hunt for now, and while I gain more industry experience you may see a post in 1-2 years time about how annoyed I am at the job applying process all over again.

Will admit I’ve always loved the chase!

Until next time.

Kathryn xx

 

Research update – If only travelling was free!

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(theodysseyonline.com)

Hi Everyone!

My research project has taken a different turn since I last updated everyone. Before it was, ‘Why aren’t Australian domestic students travelling abroad during their time at univerisity?’ I’m now focusing more on whether it is our financial situation as to why students do not travel domestically or abroad during our studies and whether or not our relationships are also a contributing factor. So basically; ‘Is it our financial positions and relationships stopping students from travelling whilst at University?’. 

Many people do wish to travel overseas during their time at university but many also wish to remain at home and gain life experience which could inlcude saving to buy a home with their partner or starting their career. Which is perfectly fine! I’m a fan of long term plans!

After recieving 80 survey respondants (So far) through the social media platforms facebook and twitter, I found people were more likely to respond when it was something that they were interested in. The majority of my survey respondants were people who have already travelled whilst being at university as opposed to students who have not. BCM212 graph

I also found that when trying to recruit survey responders, people were more likely to respond when I posted in a light-hearted manner. Making sure to make others feel like they weren’t forced to take my survey and that they were more helping out. (Which you certainly were)

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Interviewing people is definitely a learnt skill, I found it rather difficult to remain on topic because I would ask questions from their responses or I would relate their response back to my own experience. After relaying the interview in my notes I found that how I had interviewed was to my advantage as the interviewee was more comfortable with how I was relating to their answers of which it allowed them to open up more to me.

That’s where i’m up to at the moment with my research escapade!

Until next time

-K

(if you wish to complete my survey, and are an Australian domestic student, here’s the link! – )