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…A $400 BAG
"First things first, do not put it on your credit card," says Katrina Pulbrook, senior financial planner with ANZ. "Putting it on lay-by is a good option as you can pay it off weekly."
CASH CRUNCH: "If you’re not on a huge salary, you have to replace one luxury with another to avoid racking up debt. Work out how you could free up $50 a week in order to pay for the bag."
MONEYMAKER: "Withdraw your weekly cash in one go. This will keep your expenses in check and save on ATM fees," recommends Grant Hackett, former Olympian and relationships manager at Westpac.
…A $1500 HOLIDAY
"Open a high-interest saving account," suggests Hackett. "Start off by putting your yearly bonus or a chunk of your next pay rise straight into the account. Then set up direct debiting, so as soon as you’re paid, a portion of your salary is immediately moved to the savings account."
CASH CRUNCH: The Cosmopolitan lifestyle survey revealed most of you earn up to $64,000 a year, which means you could be bringing in around $3500 a month. If you make an initial investment of $500 into a savings account with 5.4 per cent interest, such as UBank USaver, and lodge $100 each month, that’s $1762 in a year.
MONEYMAKER: "Online accounts often offer the best interest rates," says Pullbrook.
…A $10,000 HOME DEPOSIT
"Work out your expenses and how much you can save each month by using a budget planner at fido.gov.au," says Hackett. "Each month, put your extra cash into a long-term account. These accounts lock your money aw3ay for about three years so you’re not tempted to dip into it.
CASH CRUNCH: Save $250 a month in a term-deposit account with an interest rate of 6.25 per cent, like ING Direct. That’s $10,195 in three years.
MONEYMAKER: If you don’t plan to buy for four years, set up a First Home Savers Account. Save $1000 a year to get a government contribution of 17 per cent. See fido.gov.au for more details.
SCORE VINO VALUE!
A glass of bubbles in a bar costs about $7 a glass, so six glasses cashes in at $42. Instead, buy six bottles online for $29.95, plus $9.95 delivery, and save $2! See dealsdirect.com.au for details. Your saving stats:
- 1 in 5 Australian women spend their whole pay packet every month.
- 58% have less than $5000 in savings.
- 33% have less than $1000 in savings.
Here’s a list of beauty apps I love and use.
Hold onto your Cons, we’re going in.
It must be, cos these moments were HILARIOUS
How gorgeous does our January cover girl @laraworthington look inside the new issue?! She posed up a storm and opened up about love, motherhood and @thebasebylb. Grab your copy now and get acquainted with the new Lara ❤️
Check out which supermarket beauty products our Beauty Editor is loving RN💄Link in bio.
Flowers & wine at today's fab @jacobscreekwine event. Thanks for having us! 🍷💐 #BetterTogether
PSA: @laurenconrad is selling her pimp AF Beverly Hills apartment. Head to cosmopolitan.com.au now to take a look around. 😍🏩
QUICK! Subscribe or renew to Cosmo before Monday 30th November and you'll receive The Makeup Kit by Liz Jones, valued at $85! Visit www.magshop.com.au/h1512cos
We're loving all the sparkle at tonight's #ARIAs ✨ #Fashion #Sparkle
A little something from our December issue to brighten up your morning! 🔥 You're welcome! #christmasbabes
63 women have been killed by domestic violence this year, that’s 63 too many #whiteribbon #standup
How incredible does @laraworthington look on the cover of our brand spankin' new January cover?! 💁🏼❤️ Grab your copy on Monday!
Flower crown masters thanks to @boohooaus @ohfloraflowers 🌹🌷🌸 with Fashion Director @nicoleadolphe and Senior Fashion Editor @mscharlottabacklund
And that’s that – all done! We told you it’d only take a minute. Now, go. Enjoy!
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