![\"Avo-toast\"](\"https:\/\/investors-admin.raizinvest.com.au\/wp-content\/uploads\/2023\/02\/Avo-toast.png\")
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Calculations on how much money you could save by either making your coffee at home or skipping it altogether are well-worn clich\u00e9s in finance world rhetoric. Contrary to this: life is hard and small joys are often what get us through the day. Your iced long black probably isn\u2019t going to be the determining factor that holds you back from financial independence, hitting your goals or feeling successful \u2013 it\u2019s just not that deep. <\/p>\n
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Although this one depends on what your time is worth to you, selling inexpensive items online can often be more trouble than it\u2019s worth. Endless \u201cIs this available\u201d messages, cancelled pickups and general time wasters could negate any small monetary kickback you receive when you do eventually sell your stuff.<\/p>\n
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While some folks have their home haircare down to a fine art, most of us should stick to our day jobs. If we learned anything from lockdown it\u2019s that some things really are worth leaving the house for. Box dye and at-home bleach attempts can often wind up costing you more than your pride and self-esteem when professionals are required for exxy colour corrections. The hundreds of \u201cbleach fails\u201d on YouTube should be evidence enough.<\/p>\n
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As well-meaning as a Sunday spent meal prepping may be, it tends to lose it\u2019s appeal on the 4th<\/sup> day of eating the same chicken burrito bowl. If you find yourself binning your prepared food and buying something on the go instead, maybe the meal-prep life isn\u2019t for you, and that\u2019s ok.<\/p>\n ***I’m a pretty lousy cook and this can actually be a good way to save for people that do it right.<\/em><\/p>\n <\/p>\n Ever since that infamous 2017 quote blaming indulging in avocado toasts being the reason young Aussies can\u2019t afford houses, the brunch staple has been the scapegoat of savings advice. While my points on barista-made coffees also apply here, let’s crunch some numbers;<\/p>\n Say you spend $20 eating out at a caf\u00e9 once a week. Alternatively, you could make the same meal at home for around $6. So while you\u2019ve skipped out on having someone wait on you, do the cooking & dishes, a potential social experience and supporting a local business you\u2019ve saved $14.<\/p>\n Over a year of eating at home, you would save $728, a far cry from the $25k you might have in mind for a house deposit (unless of course, you keep this up for 35 years). Soaring property prices in this beautiful, albeit expensive AF country are not your fault, nor is it the fault of delicious Sunday brunch.<\/p>\n — — —<\/p>\n While there are many legitimate and effective savings tips<\/a> out there, beware of fluff pieces and the demonization of life\u2019s little pleasures.\u00a0 Shifting your mindset when it comes to spending and saving as well as creating good habits will do far more for your bottom line in the long run.<\/p>\n <\/p>\n <\/p>\n Download it for free in the App store or the Webapp below:<\/p>\n <\/p>\n Important Information<\/em><\/strong><\/p>\n If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person\u2019s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.<\/em><\/p>\n You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.<\/em><\/p>\n We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing \u2013 sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on \u2013 again sorry.<\/em><\/p>\n A Product Disclosure Statement (PDS) for Raiz Invest and\/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and\/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won\u2019t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don\u2019t read the PDS, it\u2019s a bit like flying blind. Probably not a good idea.<\/em><\/p>\n The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes\u00a0 not even professionals in the financial services sector understand the ordinary risks of investing \u2013 because by their nature many risks are unknown \u2013 but you still need to give it a go and try to understand the risks set out in the PDS.<\/em><\/p>\n Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don\u2019t, it is so true.<\/em><\/p>\n Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.<\/em><\/p>\n This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can\u2019t promise that the information is accurate, or stays accurate.<\/em><\/p>\n Any opinions or information expressed are subject to change without notice; that\u2019s just the way we roll.<\/em><\/p>\n Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.<\/em><\/p>\n Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Not buying coffees out Calculations on how much money you could save by either making your coffee at home or skipping it altogether are well-worn clich\u00e9s in finance world rhetoric. Contrary to this: life is hard and small joys are often what get us through the day. Your iced long black probably isn\u2019t going […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[1],"tags":[],"yst_prominent_words":[]}Skipping avo toast<\/h3>\n
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