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LOL…that doesn't mean that having a higher paid job won't help, ( I have applied for a job in the mines…many times… still hoping, but realistically my spending habits will be pretty much the same)
I have an easy budget. I basically split my income into 3 parts…
1. Saving (automated amount)
2. expenses – you can either move it to a separate account or automatically schedule it to go to your credit card. and use it when you need to.
3. play money (this is crucial if you don't want to go bonkers)
for a few years whilst paying off a debt i only allowed myself $50 a week to spend as I wanted… I withdrew it out as cash each week (I was being paid weekly). Then if i wanted something that cost more than $50 and i hadn't budgeted for it. I would just keep it and roll it over to the next week.
I have helped friends as well by buying clippers and cutting their hair, i groom my own dog. free games on my phone are awesome. the local charity food shop is good as well…also anything that you haven't used in the past few years you might be able to sell at a market for some extra cash if you want to splurge more.
I have a 5 year plan which will work regardless of having a higher paying mining job or not, just having a higher paid job usually means that peoples' expenses grow to fill the gap.
By setting and forgetting your savings you can change your perception of how much you have and use it to reign in excess spending…if you like you can rename your online savings accounts to something dire like… Hospital or something… me I have renamed it "Set me Free" anytime i check it I am even more determined.
If you can keep up the saving for 3-6 months you will find that it is really not that hard…Nathan (Mount isa, QLd) I may stalk you for a job
