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HEY! HEY! Who's up for some spag bol and a few bottles of red at Joanna's place? :D :D I totally agree with Acey, if your income is limited, you gotta be able to make your own fun cheaply. Trips to the local beach, camping weekends, dinner at home with some crazy friends, exploring Sydney's...

Sure thing Ed - here it is! It's pretty simple. It runs over three worksheets and I've put dummy figures in the budget so you can see what the pie chart looks like. Column G is positive/negative expenditure. To me positive expenditure is the stuff Sim was talking about, anythhing you spend...

Very true Sim, I am only as tight as I am because I HAVE to be. Austudy is only $310 per fortnight. I am going from full-time student, no job to part-time student, full-time job. Even though the unit is cash-flow positive, I wanna get rid of the debt ASAP! Good point about spending money to...

Thanks Fredo. I'd like to see some more real faces on avatars! :) Well, you may be pleased to know that this morning whilst I was running around in my second hand clothes, not drinking and not smoking, with not a single credit card in my possession, I have secured an apartment for $2500 more...

OK, it had to happen, this is a spin off thread from photo Guys thread which started to become a "how to be a tightwad" discussion.... Here are some of my tips for saving money. I'd love to hear some other ideas.....c'mon Acey, let's have yours again, shall we? 1. When you go grocery...