Drop your budgeting tips below! If you would like to use the same budget spreadsheet that I am then the link is here (I'm using the Yearly Budget Layout Version 2.0) Budget Template: coplenty.com/backfromburnout Use my code: BACKFROMBURNOUT10 to save $$!

@wendyvilla2904

26 күн бұрын

Hi what is your ebay link to buy from you?

@Draintheswamp2024

21 күн бұрын

you are the best I wish I could set you back in a lawn chair and tip one back you are so cool mel

I was an accountant for 50 years - one piece of advice - if you can't measure it, you can't control it

Every single day, I open KZread and think, "Mel must have finally posted a video today, right?" And today you finally posted. Yay! Missed your videos, Mel!

@backfromburnout

Ай бұрын

More coming next week I promise.

@user-ld1ev7xf5i

28 күн бұрын

ME TOOOOOO

@mariap2226

28 күн бұрын

Ditto ❤

@micheleohmer4117

25 күн бұрын

Now that you have all your expenses accounted for, it will be good to review it each month and adjust for under or over spending areas. Food expenses is an area you can really save, just by some weekly meal planning.

Starting over is not easy. I did it at 47 and I am NOT sorry I did this! Life is amazing! Business amazing !

@backfromburnout

29 күн бұрын

You are on fire at the moment! I love watching you!

I have budgeted since the day we got married (33 years ago) and I’m a numbers person. Here are some of my thoughts: Groceries+Takeaway+Coffees are the killers of your budget. It’s all just “Food and Drink”, no matter how you break it up. Just a small reduction in those things every month (even just 10% reduction which you wouldn’t even notice) can add up to big bucks to fund your next trip. Also I didn’t notice if you had budgeted Pet or Vet Expenses for your lovely cat. One big vet bill can blow your budget right out of the water. Unforeseen medical expenses for ourselves or our furry family members can hit us by surprise. Definitely worth having them in your budget, even if you don’t use them every month. Just a few thoughts. See you in the group. 🇦🇺 🦘 Laura

Starting again is super scary Mel. I’ve followed your journey for many years now. I feel like we are friends. I’m also a full time re seller (as well as a few other jobs). I don’t think you are aware of how many of us are with you and care about you. I take advice from you, sometimes I feel like I could be helpful. I am am currently dealing with very serious illness (cancer, lots of it) and also a yucky divorce from a man who was abusing on every level. Am I a victim? No. I’m a survivor. But I’m also a mother and a woman and that means I have to make it work. With your help, I have and I am. Thank you. ❤

@backfromburnout

Ай бұрын

Thank you so very much x

My budget is simple. Pay yourself first. You need to put something away for you. Just start money will come for the rest. Trust. Your right where your supposed to be. Great job!

@backfromburnout

29 күн бұрын

Great tip, the profit first book suggests to do this

It’s funny how divorce is so traumatizing yet so healing in a lot of ways. You’re going to look back on this time as a period of intense personal growth. Thank you for the update. The spreadsheet looks awesome.

Awesome job Mel! I am three years post divorce and budgeting is so important for peace of mind. I was amazed at how much stress not knowing my finances was causing. I started following The Budget Mom and budgeting changed my life. You got this! I am rooting for you!

@backfromburnout

29 күн бұрын

I follow her also, thank you for sharing and well done to you!

A business 'expense' that is hard to budget for is that unexpected too good to turn down inventory purchase. Being a reseller myself, you always have to have some reserve inventory money over and above your normal spend for that deal that is too good to turn down and doesn't come up very often. I've always got that in my mind and have had to dip into it from time to time, but it's one to consider. It's a reserve inventory account

@backfromburnout

29 күн бұрын

Yes, and also if the opportunity comes up for a larger haul it's nice to have some surplus. Thank you for watching and sharing.

The spreadsheet is a great idea! The only tips I have (I have been debt free for 10 years but am by no means an expert) is cut up those credit cards, do not use Zippay (this adversely affects getting a home loan) and use CASH! I give myself a set amount each week for treats (for me thats mainly coffee, odd takeaway & the cinema). Yes if you make coffee yourself you can save a lot of $s, but you also need to enjoy life and treat yourself. 😊

@backfromburnout

29 күн бұрын

Thank you! I have zero credit cards and won't be getting them and have never used zipay or afterpay so I promise I won't start now :) I do like my store coffee, especially in the morning. I really don't want to give that up if I don't have to.

@MrPaulMorris

28 күн бұрын

I would certainly endorse the last sentence: if you don't budget some treats then you almost certainly won't maintain the budget long term. Few of us are cut out for monastic austerity!

This is so timely and great info. I lost my husband almost a year ago so I'm the only income. I'm coming out of my funk and thinking about money Luckily I have a long time job and good pay. Plus long time 401k, his life insurance money and his remaining retirement. I always did the bills just didn't try to save much except in 401k. I'm using an app to help me budget starting this month. Any money you are able to save is excellent and no need to be embarrassed. You got this like you have everything else. Such an inspiration. Thank you!

@backfromburnout

29 күн бұрын

Thank you, and I'm so sorry for your loss. I'm glad you have some good security money though.

Good for you girl!! My husband & I became debt free three years ago. No mortgage, car loans or credit cards. We don't use credit cards for business either, it's pay cash as we go. I know many resellers use credit cards for purchase then pay at end of month to gain points for trips but we don't agree that it is wise. Cash is always best then save money for your trips or travel as your budget permits. Now we are working on our retirement as well.

Thank you for being so raw Mel. You’ve inspired me so much. It’s never too late. 🙏🏻

Budgets are like our eBay stock, take the emotion out of it & make decisions based on your goals. You won't fail hun, fantastic start! 💪🏻

I've been divorced twice and in each marriage the husband preferred to do the money. I didn't want it that way so I was actually HAPPY to have control over my finances finally. Sure it's scary, but so is not knowing if you can cover your bills. Keep going, it gets easier and eventually you won't even think much about it.

@backfromburnout

29 күн бұрын

Thank you! I am feeling very independent managing my entire life now. It's also growing my confidence.

This is great content, Mel. So many people are part-timers, or part of a dual-income situation, but for those of us doing this by ourselves, starting off without a net, it's nice to relate at this deeper level.

@backfromburnout

29 күн бұрын

Reselling isn't easy full time as a solo income. You have to do a lot of sales to bring in enough money after expenses.

Thanks for the info Mel. I need to do this.

An excellent video Mel, thanks for sharing this! I've tracked my budget numbers on self made excel sheets for 20 odd years but they really need a revamp. I'm liking the look and layout of the spreadsheet you're using here, it's very clean! I may start using this myself, I'll have look at the link. Good luck Mel, you're a winner! and thanks again, it's been a great help!

@backfromburnout

29 күн бұрын

I just knew you would be amazing at budgeting! I am a visual person so this spreadsheet is easy on the eye!

I think you did a great job setting up your first budget!! Remember to give yourself some grace for the first few months the budget will change many times then you will be a pro!!

@backfromburnout

Ай бұрын

Thank you. Yes. It’s a work in progress and I think will take a few months of data before I can estimate other categories.

Thank you so much for this ❤

@backfromburnout

29 күн бұрын

No worries, thank you for watching!

Thanks Mel 😊

@backfromburnout

29 күн бұрын

You’re welcome 😊

I needed this! Thank you

@backfromburnout

29 күн бұрын

FGlad it helped, thank you for watching

Great video, thanks. Appreciate your content….

That spreadsheet is awesomesauce! Anyone interested, be sure to check Mel's video description, as she has provided a referral link to download it for yourself, and it's less than a tenner! :) Thanks for sharing, Mel!! Good luck going forward! Staying on track and organized is definitely the way!

@backfromburnout

Ай бұрын

Thanks Jody. I experimented with multiple different ones before I settled on this one. I think it’s perfect for me both for ease of use and visually I enjoy looking at it. It doesn’t feel as hard to use as some of the other ones I tried.

I have had to restart my life several times in my 64 years and I find that I get better at it each time. Don't put so much focus on money. It is a utility, nothing else. If you need to use it too much in the beginning, until you get a grip, that's fine. Don't freak out.

I have done budgets for years , thanks for the link. Will def look at it.

@backfromburnout

29 күн бұрын

Thank you for watching!

Nice work Mel. I love spreadsheets, I have seperate ones for business and home. The biggest hurdle is getting going with it, and keeping it going.

I’m so looking forward to this series. It’s going to be incredibly helpful (and confronting) for a lot of people. Me included! 💗

Fantastic Mel. This will help so many people in their own journeys.

I love this Mel. I am so inspired by you and am going to run myself like a business and start budgeting :) thank you

Well done on your self reflection and then putting in place what you need to do. Your resilience is shining through !😊😊

@backfromburnout

Ай бұрын

Yes! Thank you!

Great video.

Very informative video Mel. Nice to see you trying to get to grips with your finances.

@backfromburnout

Ай бұрын

Thank you! I’m trying my best.

My wife and I were missing you. We too need a budget for our golden years -- I think I told you we are 77 and 81. Your header at the top of your videos says 3 videoes a week -- I know, lots going on and you just had to set priorities, but you said you need to get back to youtube more. You are an inspiration and I am sure each video you put out inspires more people than you can imagine. I am inspired to set up a spread sheet budget at least. The fancy one when we can afford it.

@backfromburnout

Ай бұрын

Thank you. Yes I do need a new header as I don’t have the original to change it. My intention is always three a week and that’s still my goal. I do struggle with time management but I promise I have been busy behind the scenes doing some planning so I can change that and make more videos. Thank you for the reminder xx

I was just thinking the other day that I need to do a budget sheet but I really don’t even know where to start. Yours is so concise and straightforward. Good job!

@backfromburnout

29 күн бұрын

Thank you. I tried using multiple spreadsheets before settling on this one. This one seemed so easy.

Great video! I am just starting my budget journey also 😊⭐️

Great job! I need to do the same thing.

@backfromburnout

29 күн бұрын

You can do it!

Thank you so much for your video, it has encouraged me to finally start using a proper spreadsheet budget. As I need to get a handle on my finances and budget as I need to get organised for when I retire. Thank you and love your videos.

@backfromburnout

29 күн бұрын

You can do it!

Mel, rarely/never comment but I just want to say AWESOME WORK! I do not envy your position (I've been a SAHM for over 15 yrs now here in Canada, but I'm American, and I have considered if I walked in different shoes on some occasions through the years), but I'm definitely cheering you on! Fantastic work w/ your superannuation. I know you have mentioned many times over (in this and previous vids) about feeling far "behind", etc, but I love even with that overwhelming feeling, your vids look like you are recognizing what has or hasn't happened in your rearview mirror, but you are not only planning (which I think is crucial), but also taking ACTION and forward thinking/strategizing for your own financial future, and that is absolutely fantastic. KEEP UP THE AMAZING EFFORTS! Heidi in Vancouver BC Canada

@backfromburnout

29 күн бұрын

Heidi, thank you so much. I appreciate your message and for you watching me xx

Hey Mel thanks for talking about this I will definitely have to do this myself I use to try and budget but then things went wrong and am in a small amount of debt so I will have to do this to see how I go about things thank you again

@backfromburnout

Ай бұрын

You can do it!

Thanks

@backfromburnout

28 күн бұрын

Oh thank you so much that’s very kind of you. I appreciate your support.

So proud of you. I know it is hard. My husband and I just retired and suddenly we do not have the income we are used to and are going through savings to keep up with the bills. I am trying to sell vintage books & postcards but it is VERY slow and it is still a small shop. I really liked your ideas and will try them to see if it will help us. Thanks and don't apologize to mean people that have nothing but nasty things to say. They are not worth it. You have enough stress so treat them like an annoying bug and just swat them away. Best wishes for much success!

@backfromburnout

29 күн бұрын

Thank you x

Hope you manage to complete this series, looking forward to watching it

Good for you to recognize your need to understand finances! A good reminder for us to pause and review our own numbers!

@backfromburnout

Ай бұрын

Yes, they are eye opening when you list them all down like this

Fantastic episode Mel! You’ve inspired me. Thank you so much for the template too 😊

Thanks for the inspo Mel! I really need to get more organised with budgeting and tracking progress. I think it'll also be motivating to try and beat the previous months figures. You have already inspired me to SKU all my inventory and tackle my "money pile"...which i'm in the process of doing now. I couldn't believe how much unlisted stock I had taking up valuable space!! We got this!! 💪💰

This is the most calming budgeting video I’ve watched. Thanks for sharing Mel ❤️

@backfromburnout

29 күн бұрын

Thanks Jon :) It wasn't very calming while I was making it ha ha. What a stress!

Wish you the best of luck 😋 Subscribed.

This was a cool video! I think a lot of resellers love learning about personal finance! With the emergency account I think the shipping cost is coming from your sales so potentially not having that be part of the emergency fund could make sense.

Good job..we need to all stand together and get our expenses lower. Government is whittling away at all our hard work!

@backfromburnout

29 күн бұрын

It does feel hard to have leftovers for the fun stuff we work so hard for.

Yay! Hello Mel. Hope you’re doing well. I look forward to seeing you on this budget journey. I need to do it myself. Best wishes to you ❤

@backfromburnout

Ай бұрын

Thank you! You too!

I'm sorry proud of you Mel!! Thanks for putting this out there for all who need it. I remember how extremely helpful others were when I was trying to dig my family out of debt. It felt lonely. People like you are helping to ease the pain for all to come up. Thank you

@backfromburnout

28 күн бұрын

Thank you so much x

I think i need to move from paper to digital budget! Looks so efficient and love the tracking to goals part. I’ve learnt so much from you & now looks like i can add another one to the list. lvu watching all your content you keep it sooo real!

@backfromburnout

29 күн бұрын

This one is nice visually to view, I like all the little graphs it automatically creates.

@PSJFamBam

29 күн бұрын

Totally agree.

Great video Mel. I am super proud of what you are doing, and being proactive before the new financial year. kind regards Jodie

@backfromburnout

29 күн бұрын

Thank you Jodie! Looking forward to passing all my bookeeping to you in July ha ha

You can do it !!

Thank you for sharing your personal journey with us. You are very brave and I appreciate you putting yourself out there for us to follow. Your budgeting spreadsheet is very detailed! I can't wait to see how things go this month for you. Keep up the good work and I can't wait to see your next video! Clarissa in Atlanta GA USA

@backfromburnout

29 күн бұрын

Thank you! I'm excited to see where I am in a few months after tracking everything!

Oh thanks Mel .. I see the link to your budget spreadsheets ! How awesome ! ❤ from Colorado, USA

@backfromburnout

29 күн бұрын

Yes, I used the Yearly Budget Layout Version 2.0 and I am loving it!

Pay yourself first - contribute to saving for your goals before using up all of your money on discretionary spending. You'll notice the tax benefit when the superannuation is accounted for.

@backfromburnout

29 күн бұрын

Great tips David, thank you!

Great video Mel! I can't wait to see your next video.

I’m in the EXACT Same boat as you!

I use this budget spreadsheet, it is excellent! And don't worry about the food / takeaway spending, totally realistic with kids! I love a good budget video so can't wait to see how your journey goes. I will be tracking mine alongside you.

@backfromburnout

28 күн бұрын

Thank you!

We lived in Canberra for a few years, it is an expensive town for food & housing! Well done with the budget - every days a school day!

Awesome video

@backfromburnout

29 күн бұрын

Thank you for watching and feedback

When I started my debt free journey, I also listed everything out and tracked my spending everyday. It is so helpful to see what you are buying and where your money is going, both of which are within your control. Just watch your expenses, because they are within your control much more than your income. And it is hard to say "no" to yourself when you are at the end of your money, especially when you deserve a coffee after the really week you had, but this muscle is the one that makes everything else possible. I set up rules and parameters for when I had to stop spending on something so I had an automatic process to fall back on instead of depending on willpower, which will always let you down. Good luck! You got this!! Just start tracking and reevaluate as needed as you actually see where your spending issues are.

Love this! My job interview is today. I plan to pay off $16k of personal debt by the end of the year while building my ebay business on the side so I can finally rise from homelessness & instability. PERFECT timing! Oh, and my incarcerated husband reminded me of our upcoming birthdays. Because of my medical emergency last year, I lost a b'day and will be turning 45 not 44 like I had thought. Right there with you Mel! However, I'm still putting pen to paper and haven't graduated to spreadsheets just yet ;)

@LLToys320

28 күн бұрын

Yay! I start at the end of the month!

Thanks so much for putting this out there Mel. It can't be easy sharing your finances online. In my opinion, it's people like you doing things like this that really help to not just educate people in managing money but also to motivate people to do so. 😊 also, if it's any consolation. I can't be trusted in the supermarket either. My partner does our shopping because i always come home with sweets lol.

Nice work!

I take one glance at that spreadsheet and yeah, you're going to succeed. Run a modest deficit while you're setting up then turn a profit and enjoy your new life.

@backfromburnout

29 күн бұрын

Thank you, I hope you're right!

Thanks for sharing this video Mel! Thiis was perfect timing, as I'm in need of a better budgeting system so I thought I'd give this a try & oh my goodness I absolutely love this spreadsheet. I'll take some time to get all of my numbers entered for an overall view, but I'm glad to have this & I'm like you i need to see both my business & my personal in one system. Thank you for sharing this! Much appreciated! 😊

Such a great video Mel. I am always so appreciative that you vunerably show parts of your life because in doing so I know it helps so many others in the same situation. I love watching you move step by step toward financial freedom and I wish you nothing but the best as you do this.

@backfromburnout

Ай бұрын

Thank you so much!!

@backfromburnout

29 күн бұрын

Thank you Gaye, I knew this one would make you happy x

Budgeting is in fashion right now it’s fun. I’ll try your spreadsheet but I’ve also started cash stuffing-

What a great video, Mel! I'm not a numbers person, but i have been tracking my numbers because Tech really emphasizes how important it is, and it really helps to know them! Having a budget for my personal life is really important, especially as a single mom! Love your spreadsheet, its so streamlined and simple, love it! Looking forward to seeing all your progress in the months to come. 🥰❤

@backfromburnout

29 күн бұрын

Thank you Dana!

As always Mel, an inspiration for getting the work done! My wife looks after our family budget but I track all my flipping expenses and sales... but I'd gotten slack over the last couple of months so I'm sitting down and getting it updated so I know exactly where I sit. Look forward to following along to see how this informs your future moves :)

@backfromburnout

Ай бұрын

It very eye opening and definitely scary to look at! I’m trying to go into this with excitement to make it fun 🤪

I recommend the personal finance book, The Barefoot Investor 2022 edition by Scott Pape. Best personal finance book ever for Australians. I budget by paying myself first. I'm 60 and I have an investment in Vanguard International Shares Index Managed Fund which I manage through a Vanguard Australia Personal Account. Apart from that I have savings and also emergency funds. I'm debt free, no dependents, no partner. I have no super as I don't work and am on a disability support pension. I'm also in a nice public housing small brick house in a nice area. I feel so blessed though of course my health is awful. I like to splurge on nice coffees and I get taken out in my wheelchair to thrift. I have thousands of $ worth stuff and would to sell on Ebay.

Argh, finally, I’ve missed your face! I watch you whilst I work and find you actually motivate me believe it or not!

Make sure your ambulance subscription is included ..your looking less stressed.good on you mel.

Great video!! I may try the spreadsheet myself as I need to be better at budgeting.

I think budgeting can be so personal because we value different things! Basically I avoid the shops at all costs 😂

@backfromburnout

29 күн бұрын

That is so true.

Mel great video but definitely can't wait for Ur book vlog 😊❤

@backfromburnout

Ай бұрын

Book videos will be the next couple :)

Hello mell. Hope you been good. 😊

Proud of you Mel 🌻🇦🇺

Hi Mel - just fabulous and good job. I'm going to look at the spreadsheet as well.

@backfromburnout

29 күн бұрын

I really like it so far b

That's a really nice jumper. You look like barbie. All the best with your budgeting. The thing that helped me realise I was spending too much back in the day was my brother saying "do you really need that?" Those 5 words turned my financial life around.

Budgets are so important. Knowing money in and money out alleviates so much stress. All kids should be taught how to work out a yearly budget.

You are amazing! We went debt free many years ago and a budget was essential. Starting to put money in a retirement plan is fantastic. Obviously you can continue to increase it, but getting started is the hardest part. Just a note on the emergency account. You can take out all non-essentials in a month ie coffee and takeaway. Your emergency fund is 3 months of necessities in my opinion. That way more can go to retirement or travel 😊

Lets go Mel 💕💕💕

Great video Mel! I do my budget in Google Sheets but, I’m a pen and paper girl and love to write my budget. It may be redundant but, it’s what works for me 💙💙

@aimeed4196

13 күн бұрын

I love paper too ❤

Loved this video Mel, I keep a basic budget spreadsheet and have multiple accounts that I put money in every week for all regular expenses (even down to things that might be $20 for the year I transfer to an account 40c per week so I don't have to think about it). I do love the spreadsheet you are using though as much more detailed so I will look into it. I am in Sydney and have just switched to AGL for electricity and I can go in the app as often as I like and put in the current meter read and it estimates what my bill will be for that month. I don't know who you are with but I believe there are others that also have this feature. I only buy markdown meat (whenever I am near a coles or woolies I run in to see if there are any markdowns) which saves lots on the grocery budget also and with 4 adults in the house this is a lifesaver. I also look use cashrewards and shopback for any purchases I am already going to do to get some percentage back. Thank you so much for your motivation in your videos

@backfromburnout

29 күн бұрын

Oh wow, I've never used the app to see that feature! I'm with AGL so I will look that up. Thank you for sharing and for all the tips!!

Great video Mel. I’m terrible with this stuff and palm it off to the wife most of the time but I do need to smarten up a bit 😅

@backfromburnout

29 күн бұрын

I think many of us do Judda, we're not alone. Thank you for watching x

hi Mel, i love your videos keep them coming, 1 question where did you get the spreadsheet from was it bought or did you create it thanks.

I just love your videos ❤ I am in the same situation for the most part. I’m going to start with you! Where did you get the spreadsheet?

Great video, Mel. I'm sure you will be so successful on this journey, as your determination and grit shines through. Ps love your jumper, looks so cosy. Btw, I really recommend The Barefoot Investor book. Gives a great structure for sorting out your finances.

@backfromburnout

29 күн бұрын

Yes I have been reading the Barefoot Investor! One of my beautiful subscribers gifted me a copy x I do like the bucket method!

Great Job Mel and you are a master spread sheet builder ! Your budget and savings plan look awesome ! Gosh ..I need a spreadsheet thing too 😊😊😊 Looking forward to more warehouse videos . Did Tom get you to move to even a bigger space or did they fix the leaks ? How is your inventory check going from your shed move ? Keep up the good work nomatter what anyone says !

@backfromburnout

29 күн бұрын

Thanks Kelly, the spreadsheet is linked in the pinned comments and description if you want to check it out. I am yet to move, and so far no more heavy rain or leaks. Thom needs to clear the other warehouse first which is a task in itself.

This spreadsheet has everything! I just used your code. 😀Starting over is hard. I am so confident you will succeed! No matter what, keep your chin up. Thanks for sharing your journey. Hopefully, we will meet again in the future. ~ Mimi

@backfromburnout

29 күн бұрын

Thank you Mimi!

Budget Tips: seperate accounts for just about everything (I have about 9), I only have one ATM card . If I purchase a gift or clothing, I transfer the amount from that account into my “everyday” account and pay with my card. Food: on Sundays, I meal plan, shop and precook / freeze meals into single portions for either fast dinners or for quick lunches. This stops me having takeaway or fast food. It also is helpful if I want soup for dinner and kids want pasta. I usually will cook around 4 different meals (it also builds up over a couple of weeks so you have plenty of variety) Coffee: use to LOVE my takeaway coffee but I purchased a Nespresso machine (Vertuo) from Costco for about $139 I think it was and have only purchased one a handful of times in the past 3 years. Grocery budget: I shop online (yes I paid the yearly fee for free delivery) I have found it keeps me really accountable, as I can see the final price before I confirm and if I have gone over my allocated amount, I can change it. It also stops impulse buying!

@farmgirl1560

26 күн бұрын

Yup this is exactly how we do it too. Love doing the grocery shopping online as well. Sort everything by lowest unit price and save heaps 😍

Also, you can get some of the personal insurances through a super fund

@backfromburnout

29 күн бұрын

Yes I need to explore more about that!

Remember , if youre not aware, that you are legally entitled to a portion of his super as you were at home raising both your kids ( you can only apply up to a year after divorce, i think ). This could be important income later in life... Thanks for sharing your finances - it was interesting 💜

@backfromburnout

29 күн бұрын

We went 50/50’on the supers but neither of us had a lot as both were self employed and sadly didn’t prioritise it over the years as four kids was so expensive and super always seemed to come last.

I'm just going through all this myself Mel after 4 years of separation. Thinking about all the things that have to be paid for is mind boggling. I had to laugh at Spotify "Educational Playlists"! Have you considered Health Insurance, Life Insurance, Income Protection Insurance (what happens if you get sick and can't work for 1/2/3 months?), also Car Servicing and Registration (on top of Green Slip & Insurance costs). Everytime I look in another box of documents, I find another bill that I hadn't considered as part of my annual budget. Lots of luck!

@backfromburnout

29 күн бұрын

Yes it’s a lot! I have considered all those insurances. They’re coming as soon as I can. I meant educational podcasts and audio books lol I listen to them daily and more than music probably :)

@Scorcher62

29 күн бұрын

@@backfromburnout ... more than Taylor? What tha ? :)

Thank You for explaining it all 😊 Do you have the maccas app you get free stuff all the time