We are another that pays everything fortnightly so that we are always ahead.

The hardest part for me is I really want to save some money but never feel like we will get there... because then it comes to choices such as do i take out private health, do we get the car serviced, insure the car, go visit family interstate.... urgh the cycle is awful. I don't think we are in a position to save yet as both cars need servicing, one rego still needs to be transferred, and we have to go to nsw to pick up the other car. Once that is out of the way then we will probably be more committed to savings in general but until then I find it extremely difficult because the piddly amounts just get spent!