Young Aussie's Candid Cost of Living Advice Wins Praise Worldwide

A junior banking employee has received praise for adopting a 'save more' mindset amid Australia's increasing costs. cost of living crisis.

Based in Sydney, Aftab Bismi, who is 30 years old, specializes in data solutions at Suncorp Group and has offered his key suggestions for achieving financial agility in 2025.

Mr. Bismi said he drives a 20-year-old Toyota since purchasing a new vehicle would deplete his total savings of $20,000.

'The simplest solution is to figure out how to cease spending so much money,' he said. A property investment firm located on Coposit Street TikTok video on Monday.

I allocate only a small sum of money, and when I do spend more, it’s with a specific objective in mind.

For instance, I would be okay with splurging on a dinner if those involved could potentially offer something beneficial to me in the future.

Mr. Bismi mentioned that this would encompass friends, possible business collaborators, or individuals with whom he could exchange concepts.

The youthful data specialist was inundated with compliments in the remarks section following the video, being referred to as 'articulate' and a 'clever fellow.'

One user commented, 'I want to learn more from this person!'

'I wish I had that knowledge when I was 30... great going, mate.. wish you all the success,' another wrote.

The young data expert also shared his 'philosophy' when it comes to regulating his spending: only choosing one or two things to invest in.

'I would always invest my money into learning experiences with experts because they're really difficult to come by,' he said.

Mr Bismi said he first experienced this when he was 14-years-old and signed up for a camp with an ex-Los Angeles Lakers player.

"That camp is about three times more expensive than regular camps. I’m learning from someone who has successfully utilized it and found out how they achieved that," he explained.

Mr Bismi disclosed to Daily Mail Australia how he allocates and avoids investing his funds in various areas of his everyday activities.

He has discontinued certain streaming subscriptions, stays away from purchasing new gadgets, and never dines out or orders takeout alone: "Moreover, dining at restaurants does not provide sufficient protein."

To avoid making impulsive purchases, he waits until the following day before finalizing his online orders. Additionally, he only treats himself to coffee during work sessions or when out with friends for leisure activities.

What does he choose to spend his money on?

Mr. Bismi mentioned that he enjoys spending money on perfumes and presents.

"People recall that you're the person with the pleasant aroma... [and] folks tend to offer better presents and hold onto those memories because of it," he stated.

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Financial Planners Reveal Secrets to Avoiding HENRY Status: "High Earner, Not Rich Yet"

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• HENRY stands for "high earner, not rich yet," which can happen because of lifestyle creep.
• Financial advisors suggest developing positive routines from the start and preparing for potential raises in earnings.
• It’s advised to treat yourself first, all while ensuring you have some funds left for fun.

Even individuals with very high incomes may find themselves grappling with debt, saving inadequately for retirement, or failing to meet various financial objectives due to what’s referred to as lifestyle creep. This term, also called lifestyle inflation, describes the situation where expenditures rise alongside increases in one's earnings.

"As it’s quite a typical practice," financial advisor Brittney Castro explains to Business Insider.

"Gideon Drucker, a financial planner, notes that the adverse effects of lifestyle inflation might only become apparent when you reach your late 40s or early 50s and begin contemplating retirement," he explains. Drucker Wealth Management and author of " How to Prevent Becoming a HENRY: Strategies to Avoid It " HENRY stands for "high earner, not rich yet," a common description of those who have fallen victim to lifestyle creep.

Drucker explains that there are plenty of people who come to him later in life with high incomes, sometimes over a million a year, without corresponding 401(k)s , investment portfolios, or other assets. "If we just looked at their incomes, you'd have said, 'where'd all the money go?'" he says. "Over the years, all of their expenses piled up: the vacation home, the cars, just everything one after another."

How to combat lifestyle inflation and avoid becoming a HENRY

But it's not just high earners who can fall into the trap of lifestyle creep — it can happen to anyone whose income increases over time.

Plan for a raise or increase in income

"We're all going to spend our money if there's no plan for it," Castro explains. That's why it's essential to have a plan for your new income before you even start receiving it.

Castro advises that if you anticipate getting a raise, it’s crucial to review your budget and objectives prior to when it comes into play.

"Think before that raise even hits my account, where could you send it? Why don't you just redirect it?" She suggests using the raise to contribute to savings goals, retirement, or investments rather than directly to your checking account .

Develop habits when you're young.

Drucker suggests that one of the most effective ways to guard against lifestyle inflation is to develop robust savings and investment practices early on. He explains, "Once this habit takes root, regardless of the initial amount, as the figures grow over time, it will seem ordinary and natural."

He points out that even with modest sums, by gradually contributing more to your savings, retirement funds, and investments over time, you won't feel the impact as significantly.

Not sure how to begin? Think about consulting a financial advisor.

Finding a financial advisor It doesn’t have to be complicated. With SmartAsset’s free tool, you can connect with up to three financially savvy advisors within moments. These advisors not only operate in your vicinity but also adhere to a strict fiduciary duty as certified by SmartAsset, ensuring they always put your needs first. Start your search now.

Put money aside for yourself right from the start.

Rather than setting aside whatever remains at the month’s conclusion, it's crucial to save immediately after receiving your paycheck—automating this can make things simpler still. This approach is referred to as “paying yourself first.”

As one gets used to living within a specific income limit, the urge to overspend and undersave diminishes.

Castro suggests that individuals who achieve financial success often reallocate any additional earnings and persist in maintaining their lifestyle with a particular fixed amount.

Although this doesn’t guarantee that you won't reap the advantages of a higher wage or bigger paychecks, it circles back to the importance of strategizing for your additional earnings and having that extra money directly allocated to savings or investments. high-yield savings account and other financial goals.

Without a strategy, "you'll end up finding reasons to use those additional funds," according to Drucker.

Make sure to leave some space to savor your funds.

When your earnings increase, it’s only natural to desire a way to celebrate the effort put into achieving higher income. “Maintaining equilibrium is key,” remarks Drucker, underscoring the significance of balance. financial plan This covers the items and experiences you aspire to have or enjoy, beyond merely the essentials.

"Castro suggests that if you receive a 4 percent increase in salary, perhaps you could allocate just 1 percent of that extra money towards leisure expenses," he offers as an easy method to enjoy some of your additional earnings without getting carried away.

Although it’s certainly not a mandatory approach, considering your raise in this manner enables you to deliberately plan how your additional earnings will integrate into your lifestyle.

Return to the fundamentals

If you're dealing with a lifestyle inflation issue, both financial advisors suggest returning to fundamental budgeting techniques. "Examine your finances, identify areas where expenses can be reduced, create a budget plan, and monitor your spending accordingly; this is truly the best approach," advises Castro.

“It’s about having an open discussion,” Drucker states. “What do you spend each month? What are your actual costs, and which of these go toward essentials?” Once you thoroughly assess your finances, you can start crafting a strategy to address the issues caused by lifestyle inflation.

To assist with monitoring where your funds are going, you might want to look into one of the best budgeting apps , enabling you to connect your accounts so you can view all your earnings, expenditures, and savings in a single location.

As Castro puts it, "This is precisely why financial planning is crucial; even though you might make a substantial income, the challenging aspect remains your ability to disciplined enough to save it."

The initial publication of this article took place in July 2021.

Read the initial article on Business Insider

If you liked this tale, make sure to follow Business Insider on Microsoft Start.

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4 Alasan Mengejutkan Kenapa Uangmu Cepat Habis Di Akhir Bulan

Pernahkah Anda merasa dompet secara mendadak menjadi ringan menjelang hari gajian? Walaupun telah berusaha membatasi pengeluaran, dana tampaknya masih lenyap lebih awal daripada waktunya. Hal ini merupakan masalah umum bagi kebanyakan individu dan mereka mungkin tak sadar akan sumber utama kendalanya.

Apabila Anda kerap menjumpai kondisi seperti itu, barangkali ada perilaku tidak sadar yang menyebabkan uang Anda hilang secara bertubi-tubi. Dengan mengetahui asal-usul masalah tersebut, Anda dapat merencanakan pengaturan dana dengan lebih efisien. Mari kita periksa beberapa faktor yang boleh jadi menjadi sebab utama habisnya tabungan Anda pada akhir setiap bulan.

1. Belum menetapkan budget bulanan

Alasannya utamanya untuk kekurangan dana di penghujung bulan ialah kurang adanya rancangan anggaran perbulan yang tepat. Ketika tak punya budget, Anda akan lebih condong pada belanja sembarangan, misalnya dengan memboroskan uang buat pembelian benda-benda yang nggak begitu dibutuhkan ataupun rajin-sering kali makan diluar rumah. Hasilnya, uang bisa cepet-habis sebelum tanggal gajian dan membuat susah dalam menyelesaikan kewajiban-kewajiban esensial.

Merencanakan bujet setiap bulan dapat membantumu menentukan alokasi uang untuk biaya dasar, simpanan, serta hiburan. Dimulai dengan menyortir pendapatanmu ke dalam tiga kelompok yaitu: hal-hal penting, penyimpanan, dan desakan. Susunlah sebuah budget yang masuk akal berdasarkan gaji dan fakta bahwa ada beberapa keperluan harus dipenuhi.

2. Kecenderungan berbelanja secara gegabah

Pembelian spontan menjadi alasan utama kekurangan dana menjelang akhir periode pembayaran. Biasanya, perilaku ini muncul karena adanya potongan harga signifikan, promosi visual yang memikat, atau dorongan dari lingkungan untuk menyusuri jejak popularitas. Secara tak disadari, biaya atas barang-barang yang sesungguhnya kurang penting dapat merogoh kocek dan membawa dampak finansial menuju titik kritis dengan lebih pesat.

Agar terbebas dari kebiasaan tersebut, coba buatlah daftar belanja sebelum kau pergi ke pasar atau membuka aplikasi toko online. e-commerce. Tentukan ambang belanja untuk hal-hal yang tidak esensial dan biasakan diri Anda dalam mengurangi impulsif buying. Bila merasa ingin membeli suatu produk, coba tunda selama beberapa hari guna mengevaluasi seberapa penting item tersebut bagi Anda.

3. Belum mempunyaidana cadangan emergentif

dana darurat merupakan bagian esensial dari merancang anggaran finansial yang kerap dilupakan. Kadang-kadang muncul biaya tidak terduga semacam reparasi mobil, faktur rumah sakit, ataupun hal-hal urgent lainnya. Bila tanpa dana simpanan ini, Anda dipaksa memakai uang yang sebenarnya direncanakan untuk tujuan-tujuan berbeda, akibatnya kondisi keuangan setiap bulannya bisa bergejolak.

Agar terbebas dari kondisi tersebut, alokasikan sedikit demi sedikit penghasilanmu tiap bulannya untuk tabungan darurat. Sebaiknya jumlah uang itu cukup menutrisi keperluan hariamu antara 3 hingga 6 bulan kedepan. Memiliki simpanan finansial akan membantumu tetap rileks saat menghadapi hal-hal tak terduga tanpa perlu merusak anggaran rutin.

4. Pola hidup yang melampaui batas keuangan pribadi

Banyak individu secara tak sadar jatuh pada rutinitas hidup boros yang melebihi kemampuan finansial mereka. Ambisi untuk tetap setia pada trend terbaru, mendapatkan produk-produk premium, ataupun kerapkali bersantai di lokasi mewah dapat menyebabkan biaya melonjak drastis. Apabila standar hidupnya semakin naik namun gaji tidak ikut bertambah, situasi ekonomi menjadi sangat tertekan, lebih-lebih menjelang pergantian bulan.

Pilihan terbaiknya ialah dengan menyesuaikan pola hidup Anda agar sejalan dengan situasi finansial saat ini. Lakukan evaluasi ulang atas semua biaya yang ada dan prioritaskan hal-hal penting dibanding kemauan semata-mata. Jangan sampai tekanan datang dari upaya mempertontonkan kemewahan atau mencoba menjalani cara hidup tetangga. Melakukan pembelanjaan secara cermat dapat membantu kita melindungi diri dari masalah ekonomi serta meningkatkan jumlah uang yang tersedia untuk disimpan ataupun dialokasikan dalam investasi.

Tidak memiliki cukup dana menjelang akhir bulan dapat dicegah melalui pengaturan keuangan yang ketat dan berencana. Dengan menyingkirkan empat perilaku tersebut, situasi finansial Anda akan tetap seimbang sampai hari terakhir bulan. Ayo, mulailah menganalisis rutinitas keuangamu serta jadilah cerdas dalam membagi-bagi uang.

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Should You Open a Joint Bank Account? Fewer Couples Are Saying Yes.

For others, sharing a joint bank account marks a significant step in their relationship.

Plus, it simplifies handling joint expenses and striving for mutual fiscal objectives.

However, more and more partners are opting for complete financial independence as stated by certified money coach Natasha Janssens.

Ms Janssens, who is based in Canberra/Ngambri, notes that she sees more (particularly younger) couples maintaining separation in all aspects.

She notes that although sharing finances isn’t essential for a robust financial partnership, maintaining a shared bank account can be advantageous if handled correctly.

The advantages of shared bank accounts

While keeping finances totally separate Ms Janssens states that even though it works for some individuals, it doesn’t guarantee you’ll escape financial disagreements.

She notes that things can get complicated when children are involved, or when unexpected events occur, like one partner falling ill and losing their ability to earn an income.

Because of these factors, she suggests that maintaining a shared fund in a joint account could be a worthwhile option.

Ms Janssens suggests that apart from practical advantages, it can also make some partners feel more like they are "working together as a unit."

By sharing the account, you're making it easier to discuss finances, make compromises, and set goals.

When done correctly, it can result in increased intimacy through openness and teamwork.

Michael Khouri, a financial planner who runs a podcast focusing on relationships and finances, suggests that maintaining a shared bank account can assist partners in aligning their monetary goals.

Working toward objectives as a team is much simpler… plus, it fosters accountability between partners.

Shared bank accounts aren't devoid of possible problems.

Ms Janssens points out that sharing funds can lead to disputes regarding the expenditure of those finances.

Wondering if an individual withdrew funds without prior consent.

However, she notes that this can also occur even when finances are completely kept apart in relationships.

Mr Khouri suggests that shared accounts used for regular expenses could provide clarity, yet this may cause individuals to feel as though they've sacrificed their financial autonomy or personal privacy.

My spouse and I maintain individual bank accounts for our everyday expenses. This arrangement reduces stress since we aren’t constantly aware of every expenditure the other makes, providing both of us with a sense of autonomy.

However, it's all part of our comprehensive strategy. We have an overarching plan for the family, with other accounts being jointly managed.

Ms Janssens points out that joint accounts can also provide an avenue for someone to carry out financial abuse.

One in every six Australian women face financial abuse. Recognizing ways to protect yourself may enhance your monetary security.

Discussion to have beforehand

Ms Janssens suggests that understanding each other's attitudes towards money and their financial background is important before merging your finances.

What are your individual financial anxieties? How was money handled during your upbringing? Do you tend to be more of aspender or a saver?

She says knowing these things about each other will help set you up for success.

Ms Janssens also recommends setting "rules" for the account, as well as planning for how conflict will be resolved.

Some examples of discussion starters she mentions include: 'What exactly qualifies as a shared cost? How will responsibilities be divided? And should we have specific check-ins?'

Partners ought to get ready for discussions about equity versus equality to arise when talking about what each individual should add to the account.

As Ms Janssen suggests, reflect within yourself and determine what fairness means to you. Become intrigued by exploring this question.

Mr Khouri emphasizes that it's crucial to establish a budget jointly prior to setting up a shared bank account.

You can use savings calculators and budget planners to assist.

Start small

Once they're ready to open an account, Mr Khouri suggests that couples begin with something modest.

Proceed gradually. Begin with a joint account for handling expenses.

It's quite simple, and you won’t be able to mess it up.

Mr Khouri advises people to talk through alternatives with their financial institution and be wary of pitfalls such as accounts that do not permit automatic payments, or those that charge fees when a specific monthly deposit is not met.

If your initial shared account experience proves successful, he suggests considering the establishment of a joint savings account.

"Should you wish to introduce an additional layer of control, you could set it up such that both sides must sign off to obtain the funds," explains Mr Khouri.

Finally, you might think about setting up a shared account for daily expenses, which includes both of your earnings; however, this option isn’t always ideal for everybody, as some people prefer keeping their financial independence, he notes.

"Every couple is different.

If someone in a partnership feels they might be put at risk due to a financially precarious position, it’s crucial for them to keep some degree of economic self-sufficiency.

"Follow your gut instinct."

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Personal finance guru Ramit Sethi says there’s no right time to have ‘the talk’ about money with your partner — but the first date is probably too soon

As you prepare for your first date, it’s easy to find yourself rehearsing the perfect small talk: The questions you’ll ask, the answers you’ll give and how to steer clear of awkward silences.

But beyond the usual first-date classics, like “What do you do for work?” or “Where did you grow up?” there's one topic of conversation that might just send your date reaching for the check sooner than later: The money conversation.

While discussing money is important in any relationship, finance expert Ramit Sethi advises the first date might be a little too soon.

“Some people in the financial community encourage talking about money on the first date. I find that a little nerdy. Like who wants to be on a first date talking about your asset allocation? You know, it’s like, get a life,” Sethi told Moneywise in a recent interview ahead of the release of his new book, Money for Couples .

There are subtle ways to gauge your date’s relationship to their finances without diving into the topic directly.

Here’s how Sethi suggests approaching the conversation.

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Talking dollars on a first date: Transparency or TMI

First dates are already filled with enough potential awkwardness — from nervously avoiding eye contact to forgetting basic table manners. Adding topics like salary, debt or finances into the mix might just guarantee there won’t be a second date.

A recent Ipsos poll conducted on behalf of BMO found that while there is an overwhelming belief that finances should be discussed somewhat early in a relationship (83%), two in five (41%) believe it should be happen when the relationship becomes official, while 31% think that these talks can wait until a couple is ready to move in together. This timing often coincides with the shift from the honeymoon phase to deciding whether the relationship has long-term potential.

“Sometimes I wonder if any of these folks have been on a first date,” Sethi said, emphasizing that money conversations don’t need to happen right away.

First dates are about sharing interests and exploring emotional compatibility, not creating a financial evaluation. Discussing money too soon can feel invasive or overly transactional, turning a potentially great connection into an uncomfortable encounter.

This is a delicate topic — ideally suited for a moment when trust and mutual comprehension have matured over time.

The nuanced approach to understanding financial behaviors

However, Sethi doesn’t suggest avoiding money-related topics entirely when getting to know someone. Instead, he shares that there are simple, natural ways to learn about someone’s attitudes toward money without directly asking.

“When you’re getting to know somebody, obviously you’re curious. You ask them questions like where did you grow up? What did you guys do for fun as a family? Where did you go to school?,” Sethi said.

Understanding someone’s attitude toward money is crucial for many. A 2024 poll from Simplii Financial found that 94% of Canadians admit that it's important to them that they and their spouse/partner are on the same page when it comes to their household’s finances.

When starting any conversation about an intimate topic like money, curiosity is the best guide. Listening closely for clues about how they describe their lifestyle — whether, say, they enjoy simple pleasures or lean towards indulgences — are windows into their financial mindset.

Ultimately, discussing finances is deeply personal and varies for each couple. Finding an approach that works for you and your partner is one of the best ways of aligning your financial goals and building a strong foundation together.

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• Unexpected medical costs can add up quickly, even with Canada’s healthcare system. Get cost-effective health coverage to protect you and your loved ones

Sources

1. I Will Teach You to be Rich: Books

2. Ipsos: Relationship Wars: Spending a source of conflict for as many as one in three (32%) couples (Feb 9, 2024)

3. Ipsos: As Valentine’s Day approaches, four in ten (38%) say money is a major cause of stress in their relationship (Feb 12, 2024)

This article Personal finance guru Ramit Sethi says there’s no right time to have ‘the talk’ about money with your partner — but the first date is probably too soon

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

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Beyond the Piggy Bank: Clever Tactics for Savvy Savings and Earnings

• There are many methods to help your money increase instead of letting it sit idly in a savings account or a household piggy bank.
• Financial advisor Walter Tarus pointed out that saving and investing money has the potential to increase via dividends, interest, or capital gains.
• Tarus mentioned that by conserving funds and producing dividends, individuals could reach their monetary goals, build wealth gradually, and enhance their fiscal security.

The .co.ke correspondent Japhet Ruto boasts more than eight years of expertise in covering finance, business, and technological sectors. His extensive knowledge provides valuable perspectives on Kenya’s economy as well as broader international economic patterns.

Several methods can be employed to grow your wealth rather than leaving it stagnant in a bank account or a savings jar.

Why invest your money?

Financial advisor Walter Tarus pointed out that saving and investing money has the potential to increase via dividends, interest, or capital gains.

Tarus pointed out that through savings and earning dividends, individuals could reach their monetary goals, accumulate wealth gradually, and enhance their fiscal security.

"Many paths for investing await exploration. Engaging a financial consultant or performing comprehensive analysis might reveal investment prospects aligned with your risk appetite and fiscal goals. These choices include Saccos, state-backed instruments like Treasury Bills and Treasury Bonds, along with money market funds," explained Tarus during an exclusive talk with .co.ke.

Ways to invest money

1. Saccos

SACCOs are great for earning dividends and saving money.

Unlike conventional banks, these institutions typically provide more favorable interest rates on savings accounts and often share profits with their members through dividend payments, reflecting the cooperative’s overall financial success.

In the fiscal year concluding in December 2023, Tower Sacco, attracting both government and privately employed individuals who contribute at least KSh 500 per month, distributed dividends as high as 20%.

Other institutions such as Hazina and Stima Sacco, which require a minimum monthly contribution of KSh 1,000, distributed returns of 17% and 15%, respectively.

2. Money market funds

Tarus disclosed that money market funds (MMFs) provide interest rates approximately 10-12% per year above those offered by conventional bank savings accounts.

Money Market Funds provide the flexibility to enroll and withdraw funds whenever needed. These funds can be appropriate for both short-term and long-term investment strategies.

Tarus mentioned that this investment allows you to harness the strength of compound interest, as the monthly earnings are automatically added back to your original principal.

3. Treasury Bonds

As stated by the Central Bank of Kenya (CBK), Treasury Bonds represent medium- to long-term investment options that offer interest payments twice a year until their maturity date.

The regulatory body for banks conducts monthly auctions of Treasury bonds at a set interest rate, yet provides an array of bond options over the course of the year.

From time to time, the National Treasury also issues tax-free infrastructure bonds.

4. Treasury Bills

Treasury bills provide coupon rates of 16.72%, 16.87%, and 16.98% for the terms of 91 days, 182 days, and 364 days, respectively.

These items are sold every week and can be reached via the CBK's Dhow Portal.

The Central Bank of Kenya (CBK) explained that treasury bills are offered at a discount. This implies that investors select the sum they wish to receive upon maturity of the bill, which represents the face value of the bill, and pay an amount below this figure when buying it.

5. Company shares

By holding company stocks, individuals receive annual dividend payments and can realize capital gains upon selling their shares.

In order to purchase or trade shares, individuals are required to establish a Central Depository System (CDS) account with companies that are listed on the Nairobi Securities Exchange (NSE).

As stated by the Kenya Association of Stockbrokers and Investment Banks (KASIB), the CDS has enhanced market efficiency and lowered transaction costs.

Methods for earning income over the internet

Other stories include various methods for earning income via the internet such as academic writing, freelance work, and producing content.

According to a survey conducted by the Kenya Private Sector Alliance (KEPSA), approximately 1.2 million people, which constitutes five percent of the population in Kenya, engage in online employment.

The research indicated that individuals who work online receive an average of KSh 20,773, highlighting the significance of the digital economy.

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