This includes, for example, food, water, medication in the presence of a mental disorder or something delicious to cheer up, such as sweets or alcohol. I don’t know if it’s possible to put alcohol in the category of goodies, well, okay, I hope you understand what I mean.
Really not sure but probably around 40-50% of income. Should really do a budget. We’re in surplus monthly by a little bit so build up 5-10k a year in the offset account and both have superannuation accounts which contribute 12% of our income directly (should add more). Plus we have 2 other properties, one which earns us 10k a year but doesn’t increase in value much, the other which costs us 10k a year but my mum lives in the 2nd one so can’t sell it and it is going up in value more than 10k per year too.
Our biggest outgoing is childcare. Can’t wait for our youngest to leave and go to school and even though it’s not a public school, it still costs way less than childcare.
But I did just spend $500 on wine this month which will last about 6 months or so. And we get a takeaway once a week for $65, and I eat lunch out at least twice a week at about $15 each time. Should probably curb some of that spending and do some more investing.