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10 Sensible or Slightly Guilty Ways to Spend Your Concrete Budget Leftovers

Okay, so the concrete refinishing/driveway/house renovation is complete and by some miracle, you have some money left over. What on earth are you going to do with it? Be sensible or adopt the You Only Live Once mindset? We have some suggestions…

 

  • Pay off the credit card

The credit card bill is a whammy but some extra cash can ease the sting. The sooner it’s paid, the less interest and anxiety you have when you whip it out.

 

  • Buy a plane ticket

A domestic one or a really cheap international fare. Thailand, here we come! You finally have a reason to hit the ‘book now’ button on those email alerts. Who knew getting a concrete delivery could leave some leftover cash?

New Zealand is technically overseas.

 

  • Redecorate

After renovating or at least putting down a new concrete patio, it’s only fair to dress it all up. You might not have lots of cash leftover but don’t underestimate resell sites like Gumtree or Facebook Marketplace. People put up moving out listings and sell near-new items regularly.

 

  • Invest

Yes, it’s boring. But that little boost might serve you well in a decade. Inject a little extra earnings into that investment account or your super. Every dollar counts!

 

  • Buy some groceries

Not just any groceries. The stuff that wouldn’t normally go into the trolley because it busts the budget. Just think, the nice ice cream or some lamb shanks for dinner. Sausages are great, but you deserve to live it up once in a while.

 

  • Take the family out

When was the last time you packed up the kids and the car and drove somewhere for the weekend? Having some leftover budget is a chance to treat them and make some Kodak moments. Drive to the beach, go to Australia Zoo. Stay on the coast overnight. What’s stopping you?

 

  • Donate

There are charities that rely on the goodwill of donors to provide services to those in need. With so many to choose from, it’s important to choose a charity that not only aligns with your values but is transparent about where the donations go.

Options include RSPCA, The Smith Family, Australian Wildlife and hundreds of others.

 

  • Go shopping

There’s no shame in treating yourself every once in a while. Some new clothes, tools, or those headphones from JB HiFi isn’t an unreasonable splurge.

 

  • Go shopping for other people

Yes, other people deserve some TLC. Birthdays, anniversaries, or some ‘just because’ gifts can give satisfaction to both people. So go on and spend a little extra on somebody for their birthday this year.

 

  • Pay off a little debt

You spent money on the concrete driveway and you deserve to treat yourself with the leftover money. This won’t be the first type of treat that comes to mind, however…

What about voluntarily paying off some of your HECS debt? You’ve put a lot of money into your education and spent this long making small payments. A couple of hundred dollars could ease the pressure and make all that other spending guilt-free (somewhat).

 

Need more info?

Get artsy with rebar and concrete

Planning a renovation? 5 ways to prevent budget blowout

Planning a renovation? 5 ways to prevent budget blowout

We’re experienced in construction and have poured a few slabs around new home builds. The apprehension and excitement that comes with renovation can overshadow money matters until it’s too late. You’ll have a lovely home, but can end up with some excess debt you don’t need.

 

 

Organise your quotes

The builder, the concrete delivery and trades, the painter…everyone working on the home. You’ll have an initial budget planned already. Having those quotes laid out in front of you will help you allocate what needs to be spent where.

 

 

Reduce, reuse

Recycle! New isn’t always better. It certainly doesn’t equal a better bank balance. When you renovate you can save more money by going to a charity shop or some other reseller.

Remember this old saving trick?

 

Only the essentials

Essential expenses like concrete slabs and plumbing are what you need to ‘splurge’ on. Plumbing, carpentry, concrete delivery and laying, electrical wiring; these come first. Decoration is fun but it needs to take a backseat sometimes. Having proper drainage and running water is more important than a few designer throw cushions.

 

 

I’ll pay you in…

Family loves you, so they’ll naturally help out, right? Well…

Organising a ‘working bee’ or a ‘please help us move back in’ event post-renovation will help you get the little jobs out of the way. Even some of the bigger ones, like painting and general maintenance jobs, can be done for ‘mates rates’. Mates rates can include a barbecue with the works: burgers, sausage sizzles, and good times with friends.

It’s important, though, to give people advance notice that you need help. Tough, sweaty work isn’t everyone’s idea of weekend fun and they mightn’t help out if you just spring it on them. Put up a Facebook event and promise a barbecue at the end to thank everyone for their effort.

 

 

Have extra ‘just in case’

Unforeseen circumstances happen; extra expenses due to complications. There’s a problem with the wiring, plumbing, etc.

These mightn’t happen to you, but the general amount to set aside ‘just in case’ is 20 – 30% of your total budget.