Your Money; Your Rules

When I first started telling people that I wanted to start writing a blog about saving money I was met with a lot of judgement. People were really quick to bombard me with questions about my intentions which kind of took me aback. It honestly took me aback so much that, for a good few weeks, I couldn’t even open the blog posts that I had already started writing. I had initially thought that writing this blog would be something I could do for fun after work and on the weekends as a way to kill some time and maybe help one or two people that happened to stumble upon an article. However, during those few weeks in which I couldn’t even touch my work, I really started to dig a little bit deeper into my real intentions for this blog. I realised that I was lacking something that is really important, not just for starting a blog but also for saving money, and that is self-confidence. I spent some time meditating, and talking to my loved ones, and realised that my intentions for this blog were far greater than just a way to spend my time when I had nothing else to do.

In order for me to tell you my true intentions for why I am writing this blog, I need to introduce you to my best friend, Fran. The only genuine way I can introduce you to the real Fran is to show you a picture of us at the pub with a bev in hand, so here you go!

Fran isn’t just one of the greatest humans to exist on this planet, but she is also the whole bloody reason I decided to write this blog in the first place. Despite having a whole list of great attributes that I won’t bore you with, Fran is absolutely terrible at saving money (sorry mate!). Twelve months ago, Fran and I were working the exact same job, at the exact same company and coming home with the exact same pay cheque. The only difference? I was consistently saving money every single pay, and had savings to show for it, whilst Fran was living pay cheque to pay cheque. This girl was spending hundreds of dollars more than me every single week and had nothing to show for it. In fact, she couldn’t even tell me where the hell her money was going! So, I sat down with her and wrote a simple, easy-to-follow savings plan so that Fran could actually save some money. I’d love to tell you that my intentions here were completely selfless; that I just wanted to help Fran save her money out of the goodness of my heart, but I have to be honest and admit that it was purely a selfish act. I’ve already told you that I want to retire from my job early and just live my best life away from that daily grind. How the hell can I enjoy that retired lifestyle if all my friends are still working 9-5 every day? I need Fran to retire early with me so we can ditch our husbands to go to yoga class every morning and follow it up with breakfast mimosas at our local café overlooking the water.

In all seriousness, Fran was able to grow her savings exponentially over the next twelve months just by following the steps that I outlined for her. Despite having to pay a small fortune every week on rent, forking out for bills every month, and paying for the necessary costs of life like her groceries and petrol, we set Fran a goal to save $10,000 over the next twelve months. I kid you not, this girl managed to smash that goal and saved herself a whopping $12,000! The best part? She still took a trip to the Philippines, still partied with her friends on the weekend and still came out for breakfast mimosas with me after yoga. She worked bloody hard to do it, and now she is basically living proof that you do not have to give up living your best life just because you want to save money.

It wasn’t until I started helping Fran that I realised so many of my other twenty-something friends struggle with the exact same thing. So many of us find it so hard to save money because we want to enjoy our lives now. We don’t want to give up our fancy cappuccinos and our latest iPhones, and we sure as hell don’t want to stop taking trips to Italy or booking cruises in the Caribbean so, instead, we just don’t bother trying to save money at all. I am here to advocate for a healthy balance between the two. I don’t see any reason why we should be giving up the things in life that make us happy. In fact, it would be pretty hypocritical for me to be judging you for enjoying the nicer things in life whilst I sip on my cappuccino and think about all of the Italian food I am going to be eating on my planned trip to Italy at the end of the year. The most important thing that I can preach to Fran, to my other twenty-something friends struggling with saving money, and (most importantly) to YOU, is that it is OK for you to spend your money on the things that you want to your spend money on. It really does not matter what the hell anyone else thinks about your spending habits, as long as YOU are in control of those spending habits.

Fran’s Savings Account in January 2019 vs December 2019

So, to all those people that grilled me with a million questions about the intentions of my blog, let me tell you this. I want to help twenty-somethings find that self-confidence that I found deep within myself so that they can feel in control of their spending habits. I want young people to know that, with a consistent and easy-to-follow money plan, saving money doesn’t actually have to be daunting and impossible. You don’t have to eat two-minute-noodles for the next two years to save for a house deposit if you don’t want to. You don’t have to forgo holidays for the next five years so you can pay off your student loans if you don’t want to. You don’t have to live with your parents until you’re forty so that you can retire early if you don’t want to. It’s your money, so it’s your rules.

The Stingy Bitch

Based in Sydney, Australia.
Created in 2020.

This site and all of it’s contents are provided for entertainment purposes only and do not constitute personal financial advice. All products that are mentioned are general product advice only, not personal product advice. Not all options are presented and my opinions are subject to change. All content and posts have been prepared as a general summary only and is not intended to be financial advice with respect to any particular matter. This post should not be relied on with respect to any particular matter. If you have questions about any aspect of the content or this site or otherwise require personal financial advice, you ought to seek financial advice. The author disclaims liability to any person who relies on this post.

Do you have questions, comments or feedback for me? I’d love for you to get in touch!

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Published by thestingybitch

A Twenty-Somethings Guide to Saving Money Whilst Still Living Your Best Life

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