Amy’s Story

Getting my finances in order was somewhat of a coincidence, looking back it feels like all the stars aligned at just the right time. In truth though, it was probably something that had been playing on my mind for a while. I had no savings, a bit of credit card debt and felt a little financially out of control. One weekend I visited a friend of mine who had bought a little apartment all by herself, she’d done an amazing job renovating it and making it her own. A few weeks later I visited my bank to do a mundane task, while I was there the bank teller that served me asked if I was saving for anything. I explained that I had a bit of credit card debt but would like to eventually save for my own place. He took the initiative to set up a balance transfer credit card that I would have to pay off within 6 months, the final payment being June 2nd – I’ve never forgotten the date.

It was the first time I set a goal and stuck to it, and vowed never to have ongoing credit card debt again. Once it was paid off, I saved a set amount each payday and built up a good pot of savings. A while later I was given the opportunity to take redundancy, I was looking for a change but at the time it was a bit of a scary decision. I ended up talking it, started a great new job and added my redundancy money to my savings. For the first time ever I was earning interest from the bank rather than paying them interest! Less than a year later I bought my very own apartment. I’m now renting it out and letting someone else pay off my mortgage until I am ready to move into it. I’m back on the saving bandwagon, to build up more money to invest in something else.

My biggest lessons are:

  • Try to work out a way that you can earn more, either by working towards a promotion at work, a second job, commissions and bonus’ etc.
  • Try to live within your means; paying of credit card debt for things you bought ages ago is no fun.
  • Being organised is such an important part of being financially fit, I do my tax return on time, keep my receipts in order, do my healthcare claims and work expenses as I go along, so that it doesn’t all pile up and become a bigger job than I can, or want(!) to handle.
  • Surround yourself with smart, likeminded people that inspire you and can also lend a helping hand as you venture into new financial projects.

Over the next 5 years, I am aiming to grow my earnings, have a diverse range of investments and live a life where I am not financially restricted, meaning I can do the things I want to do when I want to them.

Amy attended a 10thousandgirl workshop in Sydney in 2014.

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“Each time a woman changes, she inspires another woman to change...”


Each time a woman completes the 10TG 6 Step Money Makeover, $10 is contributed to providing a microplan to a woman living in extreme poverty to start a business.


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