So the first thing to do would be to pay off the credit cards with the redraw money, yes?
hey sweet


yeah look if it was me i would pay off credit cards as they are a liability and cost you more. then i would focus on your spending log it ask ya self do i REALY need this. Avoid shopping shop in bulk. Also make a list and stick to it.

Find out what is your MINIMUM amount of money you can live on... then save every dollar above that figure, putting back all that money you paid on to the credit cards creating another savings amount IYKWIM. thats my thoughts sweet!


we spend only to save, example this week was NOT my shopping week but coles had cornflakes onsale for 4 dollars so i bought 9 packets as i know in the end it will be a saving. The money i spent will be subtracted off my food bill.