ANNA GRAHAMEVANS*, 34

$250,000

ELLE (Australia) - - Money -

WHAT DO YOU DO?

I own a risk con­sul­tancy com­pany.

HOW LONG HAVE YOU BEEN ON $250K?

Five years. It’s about $50K less than some­one in this role would typ­i­cally take home, but I pre­fer to put that money back into the busi­ness.

HOW MUCH DO YOU PAY PER WEEK IN RENT?

I pay $1,200 onto my mort­gage; I live with my hus­band in Bay­side, Vic­to­ria.

DO YOU MAKE ANY VOLUNTARY SU­PER CONTRIBUTIONS?

Yes, I put an ex­tra $200 in a week.

WHAT ARE YOUR CUR­RENT FI­NAN­CIAL GOALS?

I want to ex­pand my busi­ness and mi­grate it on­line. As I’m the owner, I’d foot the bill. We’re also hop­ing to build a house, if the bank says yes.

ARE YOU FINANCIALLY IN­DE­PEN­DENT?

Yes. My hus­band earns a lit­tle less than I do, but we’re happy to share ev­ery­thing equally. I think that once you’re mar­ried, as long as both par­ties are con­tribut­ing to the re­la­tion­ship, then it be­comes far less im­por­tant to split ev­ery­thing straight down the mid­dle. It’s more im­por­tant to share the same fi­nan­cial out­look, which, luck­ily, we do.

HOW MUCH DEBT DO YOU HAVE?

My hus­band and I owe about $1.3 mil­lion across

three in­vest­ment prop­erty mort­gages, but the rent from them helps pay them off. We started in­vest­ing in prop­erty in our early twen­ties; with the eq­uity we built in our first in­vest­ment prop­erty, we bought the sec­ond and then the third.

WHAT WAS YOUR LAST BIG SPLURGE?

Over the past five years, my hus­band and I have spent about $70,000 on IVF treat­ments.

WHAT ARE YOU SAV­ING FOR NOW?

To send my Aus­tralian sur­ro­gate over­seas for fer­til­ity treatment so we can have a baby.

DO YOU THINK YOU SPEND TOO MUCH MONEY?

At the mo­ment, we’re on a strict bud­get so we can af­ford to build our house and send our sur­ro­gate over­seas. We don’t spend as much as we’d like, but that’s okay – in the fu­ture we’ll have what we want be­cause we’ve tight­ened the belt now.

HOW OF­TEN DO YOU WORRY ABOUT MONEY?

Not too of­ten, thank­fully, al­though I do baulk when I need to hand over huge sums of money to my IVF doc­tors. But, hav­ing said that, my hus­band and I are for­tu­nate that we have the money to hand over.

HOW MUCH MONEY DO YOU THINK YOU NEED TO LIVE THE LIFE YOU WANT?

My salary is enough for the both of us; it’s just that we need to stop spend­ing so much, which is dif­fi­cult at the mo­ment. Once we have a baby and build our house, things will even out and we’ll be in a much bet­ter fi­nan­cial po­si­tion.

WHERE DO YOU SEE YOUR FINANCES IN FIVE YEARS?

I’d like to hit the $750,000 mark in superannuation – that would be a huge achieve­ment and one less thing to worry about – and we’d like to ac­quire more in­vest­ment prop­er­ties.

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