So you’ve already purchased land or a new home at Maplestone, congrats are in order! 

The next step is to budget your finances so that when it comes to moving in, you have money aside to decorate your new place. 

Save some money for the big move by following these easy steps.

Create a budget and stick to it!

Determine your household monthly income, then list your expenses (mortgage/rent, utilities, groceries, transportation, miscellaneous) and see where you can cut down. Stick to your budget by tracking your spending and adjusting every few months.

Reduce your expenses.

Consider ways you can reduce your expenses, as these small changes can result in big savings!

Here are some options:

• Make your morning brew at home instead of going for a coffee run
• Cut back on eating out and cook at home
• Review and cancel unnecessary subscription services
• Use energy-efficient appliances to lower your utility bills
• Plan your meals ahead of time to avoid food waste

Find a side hustle.

Have some unwanted clothes that just don’t fit anymore? You can sell your preloved clothing and shoes online on websites such as Facebook Marketplace, eBay or Depop. 

If you have a spare old phone around the house, you can turn this into cash and recycle your old phone at places like: Mobile Monster or Mazuma.

Avoid Afterpay and similar payment plans.

Payments plans often give a false sense of financial security, leaving you open to impulse spending. 

If you use credit cards or buy now, pay later platforms, try setting up automatic payments from your account to clear these debts as soon as you can.

Emergency money.

Lastly, you should always set aside money for emergencies and unexpected expenses, such as a medical emergency, car repair, or sudden job loss, without relying on credit cards or loans. It can provide peace of mind and financial stability during difficult times.

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