About Me

20, female, australian

I live with my BF of 5 years and a flatmate. We rent a large house near the beach in a high cost area, however it is close to family, friends and work commitments.

We plan on buying a unit or house early 2009 and are busy saving as much as we can for a deposit at this time.

I hope to start studying part-time at University in the next year or two, in the areas of Accounting, particularly tax accounting and financial advising.

Currently I am a book-keeper part-time at my family's business and a cake decorator part-time. I am paid on a casual rate, so I do not get holidays or sick pay. I enjoy both jobs as I find one balances the other quite well.

I like music, film, cooking and cars.

I don't have any CC debt but I do have a personal loan for my car which I am slowly hacking away at.

++++My Debt+++

Personal Loan @ 14.75%
Original Amount: $6135.00
Current Balance: $3966.49
Goal 1: $4250.00 (reached 3-Jul)
Goal 2: $3700.00
Goal 3: $3200.00
Goal 4: $2700.00
Goal 5: $2200.00
Goal 6: $1700.00
Goal 7: $1200.00
Goal 8: $700.00
Goal 9: $300.00
Goal 10: $0.00!!

++++My Savings++++
House Deposit/Uni Fund
Ultimate Goal Amount: $10 000
Interest Rate @ 8.25%
Current Balance: $1269.72
Goal 1: $500.00 (reached 10-Jul)
Goal 2: $1000.00 (reached 25-Jul)
Goal 3: $2000.00
Goal 4: $3000.00
Goal 5: $4500.00
Goal 7: $6500.00
Goal 8: $7500.00
Goal 9: $8500.00
Goal 10: $10000.00

Emergency Fund:
Interest Rate @ 7.9%
Ultimate Goal Amount: $1200
Current Balance: $95.21
Goal 1: $200.00
Goal 2: $500.00
Goal 3: $800.00
Goal 4: $1000.00
Goal 5: $1200.00

Holiday/Gifts Fund:
Current Balance: $24.49
Interest Rate: 7.9%
Goal 1: $100.00
Goal 2: $350.00
Goal 3: $500.00

$777.23 back

July 18th, 2008 at 10:43 pm

from my tax return, which I just completed online. woohoo! i love doing my tax straight away. Smile of course, i am sure had I OWED money I wouldn't have done it as quickly...
I am putting $350 in my savings and $350 on my loan, and the spare change is going on my credit card payment.

Posted in +on credit+, +savings+, +personal loan+ | 3 Comments »

3 Responses to “$777.23 back”

koppur Says:
July 19th, 2008 at 09:00 am

Whoo-hoo!
honeichild Says:
July 19th, 2008 at 09:09 am

YAY!! Nothing like a nice refund.
frugaltexan75 Says:
July 19th, 2008 at 04:00 pm

Sounds like a good plan for your money!

greengirl's personal finance blog

Trying to figure out my life, finances & career...

$777.23 back

3 Responses to “$777.23 back”

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