Industry: Fintech
Age: 30
Location: Randwick, Sydney
Salary: $132,000
Net Worth: $316, 874 ($54,499 in my personal savings account, $57,978 in a joint savings account with my husband, $108,822 in super, $84,816 in shares (mostly in Australian ETFs), $2,001 in my maternity fund, $577 in my everyday account, $2,179 in a joint spending account (rent/groceries/utilities come from here), $4,921 in a Raiz account (I'm hoping to get this to $5,000, then I'll move it into my maternity fund), $594 in crypto ($363 in Bitcoin and $231 in ETH), and $481 on a prepaid Qantas card which is used for everyday spending.)
Debt: $26.99 on my credit card. I'll pay it off before it's due.
Paycheque Amount (Monthly): $7,339
Pronouns: She/Her
Monthly Expenses
Personal Trainer: $408
Charities: $93 ($31 each to Greenpeace, Bush Heritage Australia, and Seeing Eye Dogs Australia)
Google Storage: $24.99/year
Joint Account: $2,200 (For rent, utilities, groceries and subscriptions)
Qantas Card: $500 (I use this to pay for everyday items like transport and food)
Raiz Maintenence Fee: $3.50
New York Times Subscription: $2. I'll probably cancel it when it goes up to the regular pricing.
Netflix: $10.99
Disney+: $34.99/year
Apple TV/Binge: Husband pays separately
Stan/Amazon Prime: My brothers pay for these and we share accounts. I give them Disney access.
Health Insurance: $414.17 (Pregnancy cover is no joke)
Home & Contents Insurance: $114.74
Car Insurance: $82.32
Electricity: $56 (Averaged out from the last year. Looks like this is about to go up heaps so we'll need to change providers).
Gas: $42.98 (As above, averaged out from the last year)
Internet: $99
Maternity Savings: $1,000
Personal Savings: $500
Did you participate in any form of higher education? If yes, how did you pay for it?
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
What was your first job and why did you get it?
Did you worry about money growing up?
Do you worry about money now?
At what age did you become financially responsible for yourself and do you have a financial safety net?
Do you or have you ever received passive or inherited income? If yes, please explain.
Day 1
Day 2
8:00am — We are getting our carpets cleaned today, so I start packing up the apartment as best as possible. I put the plants on the balcony, furniture on the beds, and do a quick vacuum. I also have a quick cold shower as I’m already feeling the effects of the heat today and need to feel up to work.
Day 3
8:00am — General clean up. Put away dishes from last night, make the bed, and get the grocery box back, ready to give to the fruit and veg people. Then I sign on at 8:30am to listen to the company all-hands meeting.