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Intentional Millennial


🌿 Intentional and Minimalist 🏡 Melbourne-based 💰 $0/$10,000 👩‍🎓 $47,000 HECs/Student Loan

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I did it - I hit my goal two weeks early! -  I honestly had my doubts. I thought there was absolutely no way I was going to be able to save $2,500 in 6 (technically 6 and half) weeks, let alone in one month. -  I put a stop on going out for 4 weeks. I rejigged our eating out budget to fall under a total food budget - and it was a tight budget! I sold some items. I also used all of our gift cards that were lying around to purchase items that we desperately needed (winter clothes), rather than saving the cards for a nice to have (decorations 😂). -  My next goal is to save $10,000. I actually planned to maybe purchase a car with the savings I have now, but seeing it all in one place is making me rethink 😅
I'm going to be completely honest with you all, I'm burnt out. I have been for about two months. -  I have never experienced a burnout this badly. I am struggling to get myself out of bed in the morning. I don't want to eat delicious food. I can't bring myself to do activities I once enjoyed. Generally, I feel very unmotivated and emotional. -  This weekend, I'm taking it real sloooooooow. I've spent time reading, scrolling instagram, catching up with my family over Skype, and indulging in delicious food. Tonight we'll go to the movies and out for dinner. -  Whilst I advocate for always checking in with your mental health, it's healthy to allow yourself to feel the negative emotions for a really short while. Becoming aware of when you are sad, unmotivated, or burnt out, will help you to notice the initial signs, help you understand what it feels like to you, and how to get yourself out of it.
3 weeks on and I'm $1,600 into my $2,500 savings goal! -  I am so, so happy with my saving ability in the past two weeks. We have reduced the amount of times we have gone out to eat, found cheap or free activities, not spent time at the shops, as well as sold a couple of items on Facebook. -  I think it will be manageable to get $900 in another 4 weeks, but I have my reservations. My partner's parents are coming to stay next month, and we are both taking time off over the Easter break. Whilst we are staying in Melbourne, there's so many fun things to do, but sometimes they are quite expensive 😅 -  Wish me luck 🍀
Today, I made the intentional choice of stating "I don't know" to a very opinion-based question. And I have never felt less anxious in my life! -  For the longest time, I thought I needed to have an opinion on everything! From what shade of colour looked best for a particular dress, to which suburb had the nicest trees, to wars that were happening thousands of kilometers away from me. -  It was exhausting. And I'm exhausted. Now, my opinions are limited to my areas of interest, where I can read far and wide, talk to people deeply, and stop filling my mind to the absolute brim. -  I will of course, always read about different and current affairs, but now I read it out of interest, rather than for the sake of forming an opinion.
Inspired by @savingprogress_ most recent post on the Australian student loan system - HECs debt. -  About six months ago, I was intent on paying my student loan off. Firstly, because I found out the final number ($47,000), and secondly, because if I left that number, the indexation rate would increase my debt to a ridiculous amount. -  If you don't know what an indexation rate is, it is the rate that is added to your HECs debt loan each year to adjust to inflation (rise in cost of living). In 2018, the rate was 1.9%. -  If that same rate is applied to my debt this year and I haven't paid anything off, my debt at the end of the financial year would be $47,893. Nearly $1,000 added to my debt, just for ignoring it. -  So, what next for me? I earn over the threshold, so repayments are taken out of my pay, and I am currently saving the leftover of my living expenses and paying it to the debt. By the end of the financial year, I hope to have my debt down to $40,000, when I will review what to do next.
Truthfully, I have not been on track for my savings account since moving. I have let it slip to the side whilst we explore our new city, purchase necessities for our apartment, and work out the difference in cost of living between Perth and Melbourne. (Spoiler alert, it's about 15% more expensive to live in Melbourne) -  So, over the next six weeks I am aiming to save $2,500! This will put me into my next savings bracket. I'll be tracking it on this account. I know some people save $2,500 in like three days, but just doing my best over here 😅 -  If you have any tips, hit me up with them below! I'd love to hear them 👇
I never imagined I would be able to live comfortably without a car! As soon as I turned 16, I got my learner's license and then on my 17th birthday I got my driver's license. I was the first one in my year at high school to drive. I spent $10,000 purchasing my first car, and I have driven everyday since then until the first week of this year. -  We decided early on that we would sell my car when we moved. I was apprehensive - I had never lived without the convenience of a personal car. But the past 10 weeks have been eye opening - I have been able to do all of my regular things (and more!) without a personal car. Grocery shopping, seeing friends, getting to work, travelling around the city. -  If we decide to not purchase a car for the year we are here, we will save $5,000, plus the outright cost of a car. We will also reduce our carbon footprint by a massive 3.5 tonnes! The lack of a car forces us to be more intentional on what we do on the weekends, and how much we can fill into the day. We also don't have to worry about the insane city drivers!
Today is my birthday and I asked my partner how he budgeted for it. Interestingly, he told me that for all the holidays that you are meant to give your partner a gift, he puts that money into a fund named 'intentional.millennial (obviously it's my real name 😅) b'day fund'. -  We don't celebrate Valentine's day, Easter, Christmas or any other holidays that may include gifts, and we go out for a simple dinner (under $50) on our anniversary. -  This year my partner spent $600 on my birthday gift, and that was made up of money from the last two and a half years. I'm extremely grateful and spoilt this year, and know that he budgeted this expense for a really long time. Next year I can expect a chicken parmi at the local pub! -  How do you budget for birthdays? Sinking funds? By winging it? Or perhaps not celebrating them altogether?
I'm a strong advocate against lifestyle creep, but what I have realised in the last few weeks is that spending money doesn't mean I have failed. -  When I created my budget for Melbourne I was completely unrealistic. I was budgeting for what I was spending in Perth without considering that Melbourne is a far more expensive city. So when I finally had to fork out some cash for everyday expenses (food, transport, life), you can guess what my reaction was... shock, frustration, with a hint of disappointment. -  But just because my expenses are a lot higher now, it doesn't mean I have failed. I haven't gotten myself into debt. I am much happier at work. And I still have my fantastic family, partner and friends (with some new ones being made along the way). My lifestyle hasn't changed, though in order to maintain it, I have to spend a little more cash, and lower my savings expectations. Not failure, just merely a readjustment.
One of the major benefits of relocating to Melbourne was the realisation that my comfort zone wasn't the place I was being my best self in. -  I had become complacent with the life I had built, along with the familiarity of my day-to-day routines. I stopped pursuing new endeavours and friendships, and instead wrapped myself in a 'comfort-zone' blanket. It all started to feel a bit monotonous, and I was too deep in my comfort zone to realise that I wasn't furthering or bettering myself in a positive way. -  Arriving in Melbourne I have had to relearn critical skills, such as forming friendships with people outside of my work/university/high school friends. I had find an everyday routine that would work for me, including negotiating a public transport system that is 100 times more complex than anything I'm used to. I've spent a lot of my time exhausted from expending so much energy trying to negotiate menial, simple tasks. -  But I am so, so proud of myself!! Being outside of my comfort has made me realise what I like and don't like in my life. I like getting into work early, so I can leave early. I don't like coming home to a silent house. I like spending my weekends out in the sunshine. I don't like not having a car and the freedom to go anywhere I want. These are all things I had no idea about myself, and I think if I stayed in Perth, I would have never known. -  Though this past month has been tough, I would definitely do it all again - just to learn more about myself, and spend time expanding my comfort zone.
1). We currently use the share market as our investment vehicle, so we would buy a house to live in, rather than as part of our investment portfolio -  2). We don't know where we want to live 🤷‍♀️ I was brought up on the beach, but my partner is a big ol' city-slicker (he's from London, and loves the hustle and bustle) so we haven't yet compromised on location -  3) We are saving for a sabbatical (plus an elopement/wedding). We need to get married before we take our sabbatical, so it would cost us approximately the same amount for the wedding and sabbatical as it would for a house deposit. -  4) It's not a priority for us 🙌 -  To be completely real, sometimes I get anxiety from this community. Everyone is smashing goals with saving for house deposits, building on beautiful blocks of land or purchasing amazing properties, and settling into a permanent space. I feel anxious because I wonder if that's what I'm "supposed" to do. But I look at our life together, look back on all the memories we have traveling (and now moving!) around the world, and it calms me knowing I'm exactly where I'm supposed to be. We feel that a house would tie us to one place, and that gives me the greatest anxiety of them all 😂
I get paid on Monday! It's been nearly a year since I've received a full-time pay check, so, if you can't tell, I'm very excited 😅 -  My total expenses for this fortnight will be $818.50. We have not yet received any bills (water, electricity, gas) so I'm taking an approximation of how much I think they will be. This amount will sit in a bill saver account, until we're ready to pay the bill (obviously!). -  I'm hoping to reduce the bills and transport amount and then save it to my savings account, which I'll divvy up into T.I.G.S. Everything I receive after paying the bills account will also by divided up into T.I.G.S. -  First paycheck come at me 😍
Wise words from the sweetest woman I've ever sat next to on a plane! -  After narrowly nearly missing the flight that changed my life, I was very frazzled, and the woman sat next to me was acutely aware of this. She struck up a conversation asking why we were heading to Melbourne. After telling her basically my whole life story #oversharer she asked if we had a place to live. I told her we did, and that we were currently racing our mattress to the apartment so that we had something to sleep on. -  Our stuff isn't due to arrive for another three weeks, meaning no fridge, TV, kitchenware or dinnerware. I lamented this to her. She was very soothing and reminded me that I had my wonderful partner with me, and at the end of the day we have a roof over our heads and a mattress to sleep on - something other people will never experience. -  I am grateful today for how little we have needed when we arrived here, and thinking about throwing out of all the boxes when they come (kidding, obviously! I definitely need my winter coat!). I am also grateful for partner holding my hand through this transition. And for sweet rock n roll ladies that remind me what is important in life.
Happy New Year to you all! -  A little about me - I'm a 22 year old, currently living in Perth, moving to Melbourne in 3 days. I am obsessed with travelling, dogs, my family and friends, and my profession. I began decluttering in 2015, and it wasn't until this year I considered myself a minimalist. I have two university degrees, which led to me owing the Australian government nearly $50,000. I will be gradually paying this off. My absolute number one goal in my life is to live a simple and happy life - I'm currently on the pursuit of finding what makes me happiest! -  In 2019, my goals are to travel the East Coast of Australia as much as possible, save 45% of my pay, invest into the share market again,  and make lots of Melbourne friends 😂😅 -  I hope my page is of interest to you! I love this community so much, and I hope to add to it as much as I benefit from it 😊
What a year! -  At the start of the year I was actually on the East Coast, talking about how nice it would be to move there for a year or two... Now here we are, about to move there for a year or two 😂 -  This year has been full of amazing challenges that I feel I have faced head on. It was challenging at the start, leaving such a toxic work environment, but I've never felt such elation and relief when I left those doors for the final time. I think this year was reminiscent of that feeling. -  Next year, I'll be focused on generating more savings, finding a side hustle I love, and travelling the East Coast as much as possible. We're both so young and I'm so glad we have been given this opportunity now! -  Here's to 2019 🎉
Wishing you all a very lovely Christmas celebration today with your loved ones! -  If today is a difficult day for you, know that you are not alone, and everyone in the #debtfreecommunity is behind you! -  Looking forward to seeing what 2019 brings for each and every one of us, and watching you all smash your goals. Thanks for being a part of my tiny part of the internet 😊
I thought I would break down the costs of our relocation now that everything is locked in! -  Flights: $3500 (altogether this is the cost of five flights to and from Melbourne) Accommodation: $600 (6 nights accommodation in total) Rental costs: $4300 (the cost of a bond and first month rent) Moving costs: $850 (we are going to add a buffer to this) Car costs: $250 (I'm selling my car here, so we got it professionally cleaned plus a replacement tyre put on and mechanical inspection ready for sale) Other incidentals: $1000 (this is money spent on food whilst we've been in Melbourne, plus transport. We've kept a buffer just in case something needs to happen in January). -  So our total cost to relocate was $10,500. We paid it entirely in cash, and haven't gone into debt. Unfortunately I won't receive any assistance from my work. My partner will receive some assistance from his work. -  Relocation interstate is certainly not cheap. If I was to do it again, I would have exhausted all of my options. If we move back to Perth this next year, we are looking at spending $2000 maximum.
So, it's all happening now! I still can't truly believe it, but we are moving to Melbourne 🎉 -  It was never the exact plan to move to Melbourne, we just knew that in order for me to get relevant, practical experience for my first year out of uni we would have to be on the east coast. We will be there for an initial 12 months. My contract is for 12 months, and my partner's start date back in the Perth office is 6th January 2020. If we love it, I'll extend my contract and my partner will permanently transfer. If we decide to move on, then back to sunny Perth we come. -  For now though, on 3rd January 2019, I can call myself a Melburnian. Actually, probably not, because I detest AFL - despite my partner being so close to pursuing the sport professionally 😅 -  So, this next year will be filled with lots of learning, lots of travelling, and lots of saving! I can't wait to see what's in store for us 💃🏼