Table 2Professional relationshipsSolicitorNoneTime span of relationshipN/AQuality of relationshipAccountantNoneTime span of relationshipN/AQuality of relationshipTable 3Assets and investmentsAssets and investments (personally owned)AssetsValueOwnership statusOther informationPurchase priceEveryday bank account$500JointWe try to keep at least this amount in the account. We’d like to have more cash on hand for the unexpected because with the twins something is always happeningSteve’s ute$4000SteveIt’s 12 years old and still running well. It’sa great little workhorse$15,000Crystal’s sedan$12,000CrystalIt’s only three years old and I love it. Thefour doors and hatchback make it great to take the kids out and for shopping$18,000Home contents$7000JointIncludes gardening equipment that Steve uses for part-time gardening jobsBonus saving account$22,500JointWe were saving quite well and enjoying a carefree lifestyle until the twins came along but for the last year we have often had to resist the temptation to dip into it. We get extra interest if we don’t make withdrawalsTable 4LiabilitiesDebtsValuePaymentOwnership statusOther informationInterest rateCredit card$2500MinimumJointWe would prefer to pay it off each month but we spent a lot rearranging the house for the twins when they arrived22.5%Car loan$5400$61pwCrystalThere are two years until it’s paid out13.5%HECS debt$12,000NoneCrystalFrom Crystal’s librarian courseCPITable 5SuperannuationFundValueOwnershipOther informationSunSuper$16,300SteveFrom my job with the Council. I’ve been with them since I left school and did my apprenticeshipCouncil Super$11,800CrystalFrom my job in the library since I finished UniPage 6 of 25

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