AN­THONY KEANE

Sunday Territorian - - NEWS -

ford a Fer­rari, look at or­gan­is­ing a fancy week­end in a city where you can hire one.

Al­most ev­ery­thing can be bor­rowed in to­day’s shar­ing econ­omy, from cars and car­a­vans to new fash­ions and beau­ti­ful hol­i­day homes.

It de­liv­ers the ex­pe­ri­ence without the im­pos­si­ble price tag.

The best way to do en­sure some of your spend­ing goes to­wards fun is to make sure you in­clude it in your bud­get (if you have one).

Write it down among your goals or new year res­o­lu­tions (if you have any) or set up a sep­a­rate bank ac­count or money jar at home.

Rather than buy­ing fun stuff af­ter pay­ing all the bills, stash it separately as part of the bills so there’s al­ways room to buy, save and spend on things you en­joy.

It can also help con­trol spend­ing, and lead to bet­ter sav­ing and in­vest­ments be­cause they also be­come au­to­matic.

Most of us spend more than 100 per cent of what we earn, push­ing many into ex­pen­sive debt such as credit cards.

Sav­ing and in­vest­ing is the only proven way to build enough money to have big­ger, bet­ter fun later in life.

Jeff Be­zos and oth­ers want to charge $250,000-plus for tourists to travel in space in the coming decades.

Or you could spend less by rent­ing a space movie, or fly through an as­ter­oid field wearing a vir­tual re­al­ity head­set (they are re­ally freaky!)

Money breeds more money, and there’s a moun­tain of re­search and ad­vice avail­able on­line for would-be in­vestors, while fi­nan­cial plan­ners can be valu­able de­spite their shocker of a year in 2018.

Don’t think of money as some­thing to im­press oth­ers. Use it to im­press your­self.

An­thony Keane is the per­sonal fi­nance ed­i­tor and colum­nist for News Corp Aus­tralia

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