Hello to all. My name is Holly, or Holl as I'm otherwise known. I'd like to say "thank you" in advance for the great forum. Have already started trying to locate information which is helpful to my situation and goals. There is a "wealth" of great information, plus I see many knowledgeable and experienced persons frequenting the boards which is reassuring. I live in NW Victoria, am a full-time mother of 2 boys (8 years and 18 months), work part-time as a Registered Nurse (gross about $24000) and my husband works in a Management position in transport (gross is just >$60000). My knowledge of investing is limited, so I am trying everything I can (joined this forum, am doing online education with the ASX website, reading everything I can get my hands on) to build my knowledge base, save money to buy a house, build an emergency fund and an investment portfolio... Generally, I manage ALL the household finances. My husband isn't as interested in the subjest as I am and is happy to help out, but has pretty much left it up to me. I have tightened the budget so much, that the internet is our only luxury and we're fine with that because our focus is on finacial growth and not material "stuff". We now live frugally and are enjoying it, for now. Due to an unfortuanate and long run of poor health (thankfully no longer an issue) and bad luck (inheritted debt from deceased in-laws and a drug addicted brother-in-law who we thankfully no longer have any obligation to or contact with), our resources are significantly depleated. The time has never been better and I don't ever see it getting any worse than we have already weathered and survived. No, hang on, we are THRIVING!!! The past is being left firmly behind so we can finally build a secure life together as a family. Currenly, we have: - no debt (wouldn't mind debt for he right things/reasons) - saving $350 per week - have >$6000 in savings so far Did have some shares that needed to be sold towards the end of our bad run to pay some large and unexpected bills/expenses. Didn't want to sell them, but we did sell them when they were up which is at least something positive. Some of the money is left (part of the $6000 is what is left from the shares sold). We are VERY ready to move on up! My plan is to: - reinvest in some quality shares ASAP - save enough to buy a house and - keep some money aside to start building up another emergency fund. - invest in more shares and property once enough equity is gained in my house. Property where I live, is amongst the most affordable in the country!! So there is hope. You can buy a decent house for $190,000 - $220,000. Or new 3br for about $220,000 as house and land package. We are not elligible for the first home owners grant as my husband made the mistake of helping his brother buy a house before I met him. Not to worry, we can do it. Any suggestions on how I can acheive this quickly, or a better plan are very welcome!