Fresh savings strategies for 2015

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Saving for a deposits on your first home can be a daunting undertaking. With housing prices in Sydney starting  in the hundreds of thousands of dollars, it seems futile to save a few dollars here and there by taking your lunch to work and cutting out that second coffee. The fact is that saving significant amounts of money takes time and discipline – and requires change – the lifestyle kind of change, not the coin jar kind of change.

 

The most effective formula for saving money is to make more money, and save more money, and set that saved money to work, generating interest or dividends.

 

More income:
If you are employed it can feel like you are stuck with a certain amount of money and that is all you have to work with. There are ways to make more by looking for promotions within your company, looking for a better position at another company or taking on additional work after-hours. When was the last time you asked for a performance review and a raise? Look for different ways to increase the amount of money coming into your account each month.

 

More savings:
The way to save more is to spend less. This means sacrificing some of the things you really (if you are honest) don’t need, or can be sourced for much less or for free.
For example:
Books – average cost of $25.00 new in a bookshop, $5 in a second hand bookshop, or free at the local library.
Movies – average cost of $16 at the cinema, half that on cheapie night, $5 on iTunes or, if you watch old classics, free, both online and from the library.
Exercise – don’t renew your gym membership, instead, run, cycle or swim, anywhere, anytime, for free.
Holidays – forgo your annual getaway by staying home and having a staycation!

 

More interest:
So now you are earning more and saving more, rather than mentally thinking you have ‘more’ – create an account and put all that extra money away in a high interest bearing account. Many banks have accounts that reward you for depositing and not withdrawing – shop around for the best offer.  You can also consider investing your money on the stock market – this is a higher risk strategy with potentially higher returns however it is best to get advice from investment experts if you are considering investing. Make sure the account is not linked to EFTPOS or credit/debit cards so you will not be tempted to use a little bit here and there.

 

Keeping your focus on your savings plan and not being tempted to ‘dip in’ to your growing pile is probably one of the most difficult parts of saving for a home – but remember, even a few hundred here or there will set you back, and extend the time before you are able to own your property.

 

When you reach your goal, contact buyer’s agent Amanda On My Side to help you find your ideal property.

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