Hello

Although I've been reading pf blogs for a few years now, I've been too lazy to start one of my own. Today, I have FINALLY gotten around to it.

So, basically, this is who I am:

• I am female
  
• I am 28 years old
  
• I live in Melbourne, Australia (born and bred here)
• I have a Bachelor of Arts, and after a few years working in administrative jobs, I realised I would need another qualification if I ever wanted to do anything more challenging, so I spent 2008 completing an accounting degree.
• I have a graduate job lined up at an accounting firm
• I am currently working in retail whilst I wait for the grad job to start
• My fiance, with whom I combine all my finances, is a teacher

And this is who I/we am/are financially:

(In Australian Dollars. $1AUD = roughly US67c)

Assets

• The unit we live in is worth roughly $500,000
• We have $18,000 in superannuation
• $5100 in cash
• $4000 in shares
• A car worth roughly $5000
  

Liabilities

• Mortgage $320,000
• Student loans (HECS debt) $49,000
• Credit card $2600

Equity

• $160,000