UTILITIES: $2523.36 – Keeping the lights on is set to become more expensive this year, but it’s hard to predict by exactly how much. HOUSEHOLD: $10,939.52 – This is how much I expect to spend on general household upkeep, comprising: strata fees ($7954.52), council rates ($1180), home maintenance and repairs ($500 – a guess), home insurance ($255 - I have contents and interior fitout cover only), appliances ($250 – I assume something will break), furniture ($250 – again, I assume something will need replacing), hygiene ($200 – for basic supplies such as toothpaste and toilet paper), cleaning supplies ($150) and décor ($150). Most economists are tipping a cash rate of at least 2 per cent by Christmas (up from 0.85 per cent now).
If you have a variable-rate home loan, have a play with the government’s online MoneySmart mortgage calculator to see how coming interest-rate increases may affect your repayments. Fortunately for me, the interest rate on my home loan is fixed at 1.84 per cent until mid-2023. HOUSING: $31,188 – That’s my minimum annual mortgage payments (if you rent, you’d estimate that here). It is not intended as a straightjacket, but simply a rough road map to help me navigate the expenses I am likely to encounter throughout the year, and to help identify where I can cut back, if needed, as living costs rise.įor context, my budget is for a high-income household of one-adult and one-child, living in an apartment within 10km of the CBD.
#Take a peek crack
Governments get budget forecasts wrong all the time but that doesn’t stop them giving it a crack – and nor should it you. Like any budget, the numbers are just estimates.
#Take a peek pdf
You can access my free annual budget worksheet (in both Excel and PDF formats) at /resources. If there was ever a financial year in which to write a household budget, 2022-23 is it, amid rising interest rates, soaring power bills, petrol prices above $2 a litre and $10 lettuces. Not only is this incredibly pervy information to read (get ready to judge me for every spending decision I make!) I hope it inspires you take a closer look at your own household expenses. Want to learn more? Read the breakdown of the difference between peeked, peaked, and piqued.So, I’m about to return the favour and share my own household budget for FY2022-23 with you, dear reader. Here’s an example of peek, peak, and pique used correctly in a sentence.Įxample: The image of the strange mountain peak on the cover was meant to pique your curiosity, and it worked-you picked up the magazine to peek inside.
#Take a peek how to
To remember what pique means (and how to spell it), remember that the things that pique your interest or curiosity are often unique. Another way to remember this is that peek has two e’s like look has two o’s. Since peek and peak are so close in spelling, one way to tell them apart is to remember that peek has two e’s, which kind of look like two little eyes peeking out between the p and the k. The confusion surrounding the three words-all three of which can be used as both a verb and a noun-is mainly due to the fact that they are all pronounced the same. The less frequently used word pique is most commonly used as a verb meaning to arouse or excite a particular feeling, as in Advertisements are designed to pique your interest. The word peak refers to the top of a mountain or, more figuratively, to the highest point of something, as in the peak of my career. The word peek is most commonly used as a verb meaning to look at something quickly or sneakily and as a noun referring to such a look.
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