The difficulties of saving

We love to spend more than we’ve got.   The availability of credit is abundant, as is national debt.  No thankyou ANZ, I do not need a further $4k increase on my Visa!  There’s always the rising cost of petrol, groceries and then of course the all-important beers after work, which, if I sat down and thought about it, probably add up to more than those other expenses combined.   I don’t really need dinner tonight, do I? And I definitely don’t need the air conditioning on in the car!  I can manage fine.

So what’s it going to be this month? Save a few measly hundred dollars towards my first home, or that leather jacket I’ve had my eye on for 42 days?  Tough call.  Easy for you to say maybe. Meanwhile, I’ll probably end up eating baked beans in the dark again judging by the past.

So what about that Great Australian Dream of owning your own house? I’d like to say that I’m on top of it, but as soon as my high-interest online savings account gets to 3 zeros, something always makes its way to the top of the list!

Take last September for example.  My best friend from high school very selfishly decides to get married in Thailand.  I had to go, and obviously had to visit Hong Kong and Singapore too!   Nice blow to my savings account that took.    Then, its 23rd of December and I accidentally stumble over the Nintendo Wii in the cupboard Santa bought me, so I gotta rush out and buy about 4 other things to go with the pathetic, yet sensible gifts I’d bought in November so I didn’t look like a Terry Tightass.  Then come one rainy day in February, I inadvertently perform a complete 1-80 in the wet and realise I’m really waaaay overdue for new tires.

Seriously. It’s one thing after anther. When’s it gonna end!   Well, tax time is coming and mark my word, I will be saving every one of those 381 dollars and earning my well deserved 6.2 % interest.  I’ll get there!