Nailing Your Money Game: A No-Nonsense Guide from your Ethnic Uncle
<h1>Nailing Your Money Game: A No-Nonsense Guide for Regular Folks in Australia.</h1>
<p>Alright, let’s talk about money without all the jargon and confusion. We’re breaking it down into simple cohesive steps that even your malaka neighbour could understand. Here’s the plan to get your finances on point.</p>
<p>Ensure that you knock out each step before moving onto the next:</p>
<h2>Step 1: Get the Lowdown on Your Spending</h2>
<p>Grab your phone, open up your banking apps, and list out all transactions made this month in an Excel sheet. This isn’t about becoming a spreadsheet wizard; it’s about seeing where your money’s going every month.</p>
<h2>Step 2: Trim the Fat</h2>
<p>We’re keeping it real here. Highlight the stuff you actually need to live: rent, utilities, food, and clothes. Now, take a hard look at the rest. Subscriptions you forgot existed? Gym membership you use less than your old rollerblades you brought during COVID? Time for these to go.</p>
<h2>Step 3: Crush the Bad Debt Monster</h2>
<p>You know that annoying debt that’s been hovering? Credit cards, personal loans — they’re going down.</p>
<p>Priority one: make a plan to knock ’em out. I prefer the aggressive approach on this one, live without for a few months to destroy this debt, by starting with the debt that has the highest interest rate, then eliminating that debt one by one.</p>
<p>Trust me, lifting this weight off your shoulders will feel like a victory lap, as I know how much of a mental burden these debt monsters give you.</p>
<p>Note: Home loans are fine as the payments are going towards an appreciating asset in MOST cases.</p>
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