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GENC3003Personal Financial Planning,[object Object],Andrew Hingstonandrew.hingston@unsw.edu.au,[object Object],Unit 2: Savings and Smart Buying,[object Object]
2,[object Object],Discussion,[object Object],What are some ways to cut back in expenses while at university in order to save more?,[object Object]
3,[object Object],Saving versus deferred spending,[object Object],“I’m saving to go on a holiday”,[object Object],This is just a “delay” in spending money!,[object Object],Real saving = never plan to spend the money,[object Object],Let’s call this real savings your “investment capital”,[object Object],The goal is to never spend your investment capital,[object Object],Investment capital generates returns,[object Object],Invest in property = generates rental income,[object Object],Invest in shares = generates dividend income,[object Object],Spend the returns … not the investment capital!,[object Object]
4,[object Object],Why is saving important?,[object Object],Regular saving = behaviour = become wealthy,[object Object],Overspending = behaviour = poverty or financial stress,[object Object],Income comes from two sources,[object Object],You working and earning a salary,[object Object],Your investments working and earning returns,[object Object],… so increased savings = increased income,[object Object],Savings required to buy a house,[object Object],Savings required to start investment portfolio,[object Object],Savings buffer of $10,000 = peace of mind!,[object Object],Savings cover large unexpected expenses,[object Object]
5,[object Object],Where do savings come from?,[object Object],Savings =,[object Object],Total income (salary and investment income),[object Object],Less tax,[object Object],Less rent or interest on mortgage payments,[object Object],Less living expenses,[object Object],Increase savings by:,[object Object],Increase salary,[object Object],Increase investment income,[object Object],Reduce tax,[object Object],Appropriate housing strategies,[object Object],Reducing living expenses,[object Object]
6,[object Object],How to save more?,[object Object],Stop spending 110% of income!,[object Object],Reduce expenses by 10% or more,[object Object],Relearn what is a “need” versus a “want”,[object Object],Learn “contentment”,[object Object],Learn the “behaviour” of always savings,[object Object],Then … ,[object Object],work at increasing your salary,[object Object],increase your investment portfolio,[object Object],develop some good long-term strategies,[object Object]
7,[object Object],Is this real long-term saving?,[object Object],Money left in a transaction account – NO,[object Object],Probably not if it is going to be spent next month!,[object Object],Money in high-interest savings account – YES,[object Object],Mortgage payments – NO,[object Object],Most of mortgage payment is actually interest,[object Object],Only payment less interest is saving (10% at start of loan),[object Object],Superannuation put in by employer – YES,[object Object],Saving for holiday – NO (deferred spending),[object Object],Saving for car – NO (car goes down in value),[object Object],Saving for anything that goes down in value – NOT saving!,[object Object]
8,[object Object],Setting goals,[object Object],Easier to save if you have some goals,[object Object],Visualising goal makes it easier to forgo spending now,[object Object],… in exchange for future future happiness,[object Object],Examples of goals:,[object Object],New car for $12,000 by 30 June 200X (really deferred spending),[object Object],Holiday $5,000 on 5 Jan 200X (really deferred spending),[object Object],Deposit on first house $30,000 by 31 Dec 201X (real saving),[object Object]
9,[object Object],How much to save,[object Object],Work out how much goal will cost – Eg $12,000,[object Object],Work out when you want it = 5 years,[object Object],Calculate number of months = 5 x 12 = 60,[object Object],Divide amount by number of months = $200,[object Object],You need to save $200 per month,[object Object],Yes, you will receive interest on these savings,[object Object],But it will cover you for the fact that most people under-estimate the total cost!,[object Object],To work it out exactly, use =PMT( ) function in Excel,[object Object]
10,[object Object],Saving tips,[object Object],Save little, save often,[object Object],Keep spare coins in jar and deposit in bank each month,[object Object],Direct debit $X per month into a separate account,[object Object],Make sure you are receiving good interest,[object Object],ING Direct Savings Maximiser pays high interest,[object Object],Compound interest means savings grow exponentially,[object Object],“But I’m a student”,[object Object],Start a good saving behaviour with $50 per month.,[object Object],Live like a student for 2 years after graduating!,[object Object]
11,[object Object],Don’t treat shopping as a “hobby”,[object Object],Don’t buy unless you have the money to do so,[object Object],Pay with cash (it feels more expensive than cards),[object Object],Shop around and wait for the sales,[object Object],Substitute water for coffee and BYO,[object Object],Make your lunch to uni/work,[object Object],Shop at Aldi rather than Coles / Woolies / 7-Eleven,[object Object],Buy second-hand on Ebay – then sell it again!,[object Object],Give up on smoking, gambling and binge drinking,[object Object]
12,[object Object],Delay buying something for two weeks,[object Object],Often after some time you realise you can do without,[object Object],Try classical conditioning,[object Object],Say out loud 10 times …,[object Object],“I cannot afford this now … I need to save money instead”,[object Object],Track your expenses to keep you accountable,[object Object],Putting things into a spreadsheet is a hassle,[object Object],Creates a disincentive for small purchases,[object Object],Spreadsheet keeps you accountable each month,[object Object]
13,[object Object],Cut up credit card if you can’t pay full balance,[object Object],Stay away from buying “Interest free”,[object Object],Personal loans – for people who can’t save,[object Object],Don’t let your parents borrow against the house,[object Object],Home loan rate is much lower than personal loan rate,[object Object],But term on a home loan (25+ years) is much longer than a personal loan (2-5 years),[object Object],End up paying a lot more interest,[object Object],Unless disciplined enough to make extra home loan payments,[object Object]
14,[object Object],What if I’ve got credit card debt?,[object Object],Recognise you may have a serious behavioural problem,[object Object],UNSW COMPAS Counselling Service (Free),[object Object],http://www.counselling.unsw.edu.au,[object Object],Wesley Mission Financial Counselling Helpline (Free),[object Object],Phone 1800 808 488,[object Object],Most important steps:,[object Object],Realise that you have a problem,[object Object],Talk to your bank – banks hate zero communication!,[object Object],Move your credit card debt into a personal loan with bank,[object Object],Cut up your credit card and pay off personal loan,[object Object]
Stop and read,[object Object],Now read:,[object Object],Chapter 3,[object Object],Saving Faster,[object Object],Chapter 4,[object Object],Smart Buying and Credit,[object Object],15,[object Object]

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Unit 2b Saving

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