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What we spend: Is it worth saving money if you're not saving for anything in particular?

By Jemima Skelley|

With our What We Spend series, we're taking a look at the different ways Aussie ?couples and housemates spend their money each week.

This week, 9Honey Money chatted with a couple living on the NSW Central Coast, Rich and Anna*.

Rich: A 33-year-old landscape gardener, earning $85,000 a year.

Anna: A 31-year-old journalist, earning $95,000 a year.

READ MORE: The young Aussie who left the city to save for a house deposit?

Caucasian couple man and woman in casual clothing resting in living room at home and looking at smartphone
Rich and Anna live together on the NSW coast. (Getty)

What are your weekly bills/expenses? Any savings?

Rich - Weekly income $1254

Rent: $270
Groceries: $85
Car and petrol: $33
Pool membership: $8
Phone: $13
Internet: $8
Streaming: $9
Utilities: $19 [paid quarterly]
Savings: $500

Total weekly expenses for Rich: $945

Anna - Weekly income $1380

Rent: $270
Groceries: $85
Petrol: $12
Trains: $48
Gym: $18
Phone: $7
Internet: $8
Streaming: $17
Utilities: $19 [paid quarterly]
Credit card repayment: $200
Saving: $300

Total weekly expenses for Anna: $984

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Both Rich and Anna save money each week. (Getty Images/iStockphoto)

What are your thoughts on your spending habits? Do you spend much outside your weekly regular expenses??

Rich: Looking at my expenses like this, it's clear that the cost of groceries and petrol have gone up by an insane amount over the last year or so. I never used to spend that much. And we're pretty good with groceries - we don't get anything fancy and try to buy most stuff when it's on sale.

Anna: Yeah, grocery prices are a killer. Also having to spend nearly $50 on trains just to get to work three days a week is the worst. But at least I don't have to do it five days a week anymore.

Monday

Rich: I got a coffee on the way to work, which was $2. 7/11 coffee is my saviour. Other than that, no spending.

Anna: Once I got into the office, I spent $9.50 on coffee and a croissant as a little Monday treat. But that's all I spent today.

Tuesday

Rich: I got a $2 coffee, and then a $9 sandwich for lunch.

Anna: I worked from home today, so didn't spend any money. After work I went on a walk and spent $14 on cat food because I went past our local IGA saw that it was on special so I decided to stock up.

Wednesday

Rich: Started the day with my trusty $2 coffee. Went to the pub with some mates when we clocked off work, spent $11 on beers.

Anna: I was in a rush and forgot to grab my lunch when I left for work, so spent $12 on a sandwich. Went to JBHiFi as well as I need new earphones, $89.

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Thursday

Rich: Just $2 on coffee, then I went to Coles on the way home to pick up ingredients to make Anna dinner, as she's usually home late on Thursdays. That was $22.

Anna: Didn't spend any money today, was too busy to go out for coffee so just used the crappy machine in our office.

Friday

Rich: I spent $2 on a coffee, then $34 on Thai takeaway for dinner.

Anna: Another WFH day so I didn't spend anything.

Saturday

Rich: I had a golf day with my mates, paid $100 in green fees, $19 on lunch, and $72 on drinks. I got an Uber home, $27.

Anna: I bought a $5.50 coffee in the morning, then went to a long lunch which was a prepaid price of $89.

READ MORE: Perth couple started $50 million brand from a spare room

Petrol pump bowser
Petrol and groceries are huge expenses for the couple each week. (Getty Images/iStockphoto)

Sunday

Rich: We had my parents around for lunch - spent $19 on a cake from the bakery for a treat.

Anna: All I spent today was $5.50 on a coffee.

Total weekly spending for Rich: $234

Total weekly spending for Anna: $224.50

Final thoughts

Rich: The golf day was a bit of a blow-out but I reckon I'm pretty good at not overspending during the week so I don't really have an issue with having big days on the weekend. Sure I probably didn't need to drop $70 on beer, but whatever. It's the little joys.

Anna: I'm not great at sticking to a budget - some weeks I go nuts on buying myself little treats - but this week was a pretty good one. I don't really have anything I'm saving for, as the thought of affording a house deposit seems a little farfetched, but aim to put away at least a couple hundred every week.

*Names have been changed.?

If you would like to participate in 9Honey's What We Spend money diaries, please email jskelley@nine.com.au.

The information provided on this website is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs.

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