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Subscribe to Cosmo before November 1 2015, and receive 12 issues, PLUS receive a ModelCo gift set worth $75.
…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
Super morning! Beauty and lifestyle director @alexisteasdale went to a @swisseau master class with @gcalombaris to learn about cooking with super foods. #fun PS a kitchen tip from George: only use wooden chopping boards and when they need a good clean, cover with a layer of fine salt for a day before washing and starting fresh. #swissesuperfoods #lifelessons #masterchef
Mega babe @tashoakley looking hot AF soaking up the sun & eating watermelon in our latest issue! 🍉 #WCW #TashOakley
Head to www.cosmopolitan.com.au now to sign our #equalpay petition because being paid 18% less for having a vagina is just.not.on🙋🏼
Our November issue is on sale today! With @laurenconrad on the cover, a 26 page flip mag of Cosmo's guide to Spring Racing & so much more! 💕🏇👗 #cosmoaustralia #laurenconrad #springracing
Sun's out, shades on. 😎☀️
Long weekend vibes! 👌 RG @justsayingirl #longweekend #relax
Friday Night Goals! 💥 #TGIF #Balmain #SquadGoals
How gorgeous does @laurenconrad look on the cover of our brand spankin' new issue?! Grab your November Cosmo on Monday! 💜💁🏼
The @cosmobride team are at @thebridalbazaar and bumped into totally awesome @heather_maltman! #cosmoselfie #thebachelorau #bachienight #fun #thebridalbazaar #weddedwonderland
These babes would like to wish you a Happy International Coffee Day! Just in time for your afternoon cuppa! ☕️ #coffee #menandcoffee
And that’s that – all done! We told you it’d only take a minute. Now, go. Enjoy!
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