Narrabri Website Servicing the Community Since 2008

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Visit Narrabri NSW - it is set in the heart of the rich Namoi Valley, in North West NSW, Australia. Narrabri NSW is home to 7,300 residents who enjoy good shopping, good sporting facilities and a very good way of life. Narrabri is situated 100 kms from Moree in the north and 110kms from Coonabarabran in the south on the Newell Highway. Gunnedah is 95kms to the east and Wee Waa is 45kms west on the Kamilaroi Highway. It is the home of the Narrabri Shire Council, The Crossing Theatre, and the untamed beauty of Mt Kaputar National Park, Pilliga National Park and the Australia Telescope. Narrabri services the surrounding towns of Boggabri, Bellata, Wee Waa, Pilliga and Gwabegar.

Narrabri has daily Country Link Rail, air services and interstate coaches. The district has an average summer minimum temperature of 17° and a maximum of around 37°. Recorded average winter minimum and maximum temperatures are 3° and 17° respectively. The district can also expect a rainfall level of approximately 635 millimetres in one calendar year. It is 190 m above sea level.

Narrabri tourism includes an amazing amount of interesting places to visit, a wide selection of eating experiences. Some menus include fine local produce such as olives, wine and superlative pasta which is made from the high quality durum wheat grown in the Bellata area. Accommodation is plentiful and of excellent standard. It includes motels, caravan parks, B & Bs and farm stays, either self catering or fully pampered!

Photos in this website are supplied by Margo Palmer, John Burgess, Rohan Boehm and the Narrabri Information Centre

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ABOUT NARRABRI NSW

Narrabri NSW is the headquarters for two major agricultural research stations, the Australian Cotton Research Institute and the IA Watson Grains Research Centre. Narrabri's growth and development is strongly tied to the success of its agricultural and commercial industries, and is moving ahead towards a prosperous future with the current population being approximately 7,500.  

Area
Devlopment

On a regional scale Narrabri NSW is encompassed by Regional Development Australia - Northern Inland NSW. This entity undertakes the promotion of the region

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Agriculture

The Narrabri NSW District is a major producer of a variety of agricultural commodities including cotton, wheat, beef cattle and sheep and pulse crops.

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Real
Estate

Narrabri NSW always has houses for sale and houses for rent on a wide range and commercial blocks and shops also come up for sale.   The variety is amazing.

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Business
Directory

The Business directory encompasses the towns of the Narrabri Shire, if you own a business the cost to have a landing page and or a listing is very minimal.

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Local News

7 Tips for Creating a Realistic Budget You Can Stick To

7 Tips for Creating a Realistic Budget You Can Stick To

Guest Writer James Wilson

Author: Kate Schwager/Saturday, March 18, 2023/Categories: Featured Writer James Wilson, Boggabri, Narrabri, Wee Waa, Walgett, Community

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Budgeting is the way to achieve your goals, whether it’s to pay off your credit card debts, start a retirement plan, or set up an emergency fund. But as beneficial as it is, it’s not practised by most adults – in fact, a study by Credit Donkey found that most American adults don’t prepare a monthly budget. 

If you’ve never made a budget before but you want to be more responsible with your money, we’re here to set you on the path toward financial freedom. Build a budget you can live by and allocate your funds the proper way with these top personal finance strategies:

1. Go into budgeting with the right mindset

Your budget is designed to be a tool that allows you to meet your financial goals, from short-term goals such as setting up an emergency fund, to long-term goals like making a robust debt management plan. Without these goals, you may struggle to stick to your budget as you will likely wonder “what’s in it for me?”. 

With that in mind, the first thing you must do before budgeting is to identify your “why”. Understanding your budget’s significance will allow you to create a more positive and personal relationship with your money. If you make a budget with a negative mindset, or without any motivation, you may be tempted to break it along the way. Furthermore, if you vilify it and view it as something that’s preventing you from doing as you please with your money, you may be tempted to rebel. 

Remember to be realistic with your goals! If you aim to save $20,000 by the end of the year but you can only manage to save $1,000 a month, you might struggle to meet your goal, causing you to feel discouraged. This isn’t a competition, so set realistic set goals you know you can accomplish. 

2. Determine your monthly earnings

Calculate how much money you earn per month to know how much you can work with. Determine your monthly take-home pay from your job, making sure to deduct tax. If your monthly income is inconsistent (e.g. you’re a freelancer whose projects vary), just use your average monthly income. 

Pool all of the money you make from other sources, too. Do you have a side gig such as driving for Lyft or delivering food? Do you earn rental income? Do you receive financial support in the form of alimony? As long as it’s bringing money into your bank account, it counts! 

3. Total your monthly expenses

Once you’ve calculated your income, it’s time to see where that money goes at the end of each month. First, create a list of all your fixed expenses – these are expenses that cost the same from month to month, such as rent and utilities. Next, calculate your variable expenses – as the term implies, these are recurring costs that vary per month. For example, you buy food monthly, but the amount you pay for food isn’t consistent – some months you might spend $500 on groceries, while other months you might spend less or more. 

If you can’t recall where your money went and how much was spent, consider checking your credit card statements. For future expenses, use a spreadsheet or app so you can easily track your daily spending. 

4. Follow the 50-30-20 rule

Now that you’ve totaled your income and expenses, examine them side by side and ask yourself if you’re satisfied with the numbers. Note that these will only be estimates, but they should give you a good idea of where you stand financially. 

If you’re not proud of how low your savings are, it’s time to examine how you’re spending your money. A good rule of thumb is to set aside 50% of your monthly income toward needs, 30% toward wants,  and 20% toward debt and savings. Study the first two categories to see if you’re spending the ideal amount in each of them – if not, you’ll have to re-evaluate your priorities. 

Cut costs where you can. Start with your wants, but if that isn’t enough, go ahead and tweak your needs, as well. For example, maybe you could buy a cheaper homeowner’s insurance policy, or commute to the office so you can save on gas. When you limit your spending, you’ll have more savings per month. 

Of course, the 50-30-20 method isn’t the only way to manage your money. You could also try the “Budgeting by Paycheck” strategy, which is perfect for people who get paid bi-weekly. It’s where you use each paycheck for a certain budget category. For example, you could use your first paycheck for the month to pay for needs, while the second paycheck can go towards wants and savings. 

5. Break bad money habits

Bad habits will be the downfall of your budget. Even if you’ve designed your budget according to the best methods out there, you might end up self-sabotaging if you’re not careful with your money. 

Do you often use your credit card? Relying on credit can raise the risk of overspending, so you try to slow down with your swiping! Do you shop on impulse? Take time to think about big-ticket buys so you don’t ruin your budget. Can’t remember your bills’ due dates? Set reminders to steer clear of late fees and fines. 

Another way to stick to your budget is to have a “budget buddy”. Not only will they keep you accountable for your goals and targets, but they’ll also make sure your bad habits stay broken. 

6. Change your budget as needed

A common misconception is that budgets are set in stone. But over time, your goals may change, you may earn more (or less) than what you were earning when you made your budget, and life may get in the way. For instance, you might want to get into real estate investing, which means you’ll have to cut costs where you can. Or, you might have gone over budget last month due to a medical emergency. 

Every month, revisit your budget to make sure it still works for you. Tweak it as needed and ensure your new budget gets you back on track with your goals. 

7. Reward yourself for meeting your goals

Whether you aim to save $2,000 in two months or pay off your credit card debts, it’s important to reward yourself whenever you meet your goals. That way, budgeting won’t just be something you have to do, but an enjoyable, fulfilling experience. Celebrating your wins, regardless of how big or small, can help you feel more motivated to make sound financial decisions. 

Wrapping Up

By creating a budget, you can clearly see where your money is going, have more control over your finances, and be confident that you can handle life’s surprise expenses along the way. While it will take time to get used to budgeting, you’ll soon get the hang of it and experience its benefits for yourself. With these actionable tips, you’ll be well on your way to building a financially sound future.

 

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Real Estate

39 Cormie Avenue, Wee Waa, NSW, 2388

39 Cormie Avenue, Wee Waa, NSW, 2388

Home For Sale Wee Waa New South Wales

$380,000
39 Cormie Avenue, Wee Waa, New South Wales

4 bedroom home for Sale!! 
Fully ducted split system, double garage with loft.
Large entertainment room, 2 bathrooms, main bedroom with ensuite, 3 bedrooms have built ins. 
Pool, Solar panels.

For more information contact 
Luke Humphries 0428957049 or Erin Humphries 0408715321

Wednesday, August 9, 2017/Author: Sam/Number of views (170241)/Comments (0)/ Article rating: 4.0
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85 - 87 Rose Street, Wee Waa, NSW, 2388

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Commercial Investment Opportunity

Long Term Lease in Main Street

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• Zoned B2 Local Centre 

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Commercial Investment Office Space available in Wee Waa for Sale

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