10 things I refuse to waste money on in Australia 👇 1. 🚗 Expensive car payments I’d rather drive something I can comfortably afford than stretch my budget for a badge.  💡 TIP: Look at the 5-year cost — interest, insurance, rego, servicing + depreciation — not just the repayment. 2. 📱 A new phone every year If mine works, I’m keeping it.  💡 TIP: Skip an upgrade cycle and keep the difference. 3. 💳 Credit card interest Paying interest makes yesterday’s purchases even more expensive.  💡 TIP: Know your due date and interest-free period. 4. 🛍️ Buying things because they’re on sale 50% off something you didn’t need isn’t saving.  💡 TIP: Ask: “Would I buy this at full price?” 5. 📺 Subscriptions I barely use $10 here and $20 there adds up.  💡 TIP: Audit your recurring payments every few months. 6. ✈️ Luxury travel just to impress I’ll pay for experiences I value, not ones that just look good online.  💡 TIP: Spend on what YOU value and cut back on what you don’t. 7. 🏠 Lifestyle upgrades every time I earn more More income doesn’t mean everything needs an upgrade.  💡 TIP: Let your income grow faster than your lifestyle. 8. 💰 Avoidable fees Late fees and forgotten memberships are money wasted.  💡 TIP: Automate bills and regularly check recurring charges. 9. 👕 Designer clothes I’ll barely wear Expensive doesn’t automatically mean valuable.  💡 TIP: Think “cost per wear.” $100 worn 100 times beats $300 worn twice. 10. 🍔 Food delivery when I can pick it up Delivery + service fees can turn a cheap meal into an expensive one.  💡 TIP: Compare the final checkout price with ordering direct. You don’t have to be cheap to be good with money. Spend generously on what matters to you. Cut ruthlessly on what doesn’t. Follow for more of what I’ve learned about money, business & building wealth in Australia 🇦🇺 #sydney #australia #australian #aussie - @aj.cloresofficial