We are about to embark on the new journey of parenthood with the certainty that the lifestyle we desire is affordable and manageable.
My husband and I have never lived luxuriously or been flippant with our spending. However, with a mortgage, credit cards, car loan and day to day living costs, it seemed as if we could never quite get ahead. When large bills loomed it was a matter of sacrificing money from other areas to get through. Since developing a budget with Phil we have been able to get rid of both our credit cards and our personal loan. We no longer have to hold our breath and hope that we can manage when the bills arrive. Budgeting with Phil has not only helped us take control of our financial situation but has informed us of the "ins and outs" of maintaining financial stability. He assisted us to analyse the details of our superannuation funds and update life insurance where necessary. Through the effective use of Grandmas Jars we have been able to put money aside to cover us should anything unforseen happen in our lives. On top of all this we are making good progress in saving for a house deposit and are about to embark on the new journey of parenthood with the certainty that the lifestyle we desire is affordable and manageable.