The Flawed Consumer, Australian Personal Finance Blog, is changing

The Flawed Consumer Is Changing…

It has now been 18 months since I started The Flawed Consumer. When I started, it was my intention to share my journey to Financial Freedom in the hope of both teaching and learning from others.   Part of my reasoning behind this was that after I had my financial epiphany around my 30th birthday, […]

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IRE: career is a social construct

Why we seek FIRE: Career Is Merely A Social Construct

Up until I discovered the Financial Independence/Retire Early (FIRE) movement, I had never really thought much about why we spend so much of our lives focused on career. I had just accepted it as an inevitable part of life.   However, over the last 12 months, I’ve thought a lot about what I really want […]

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How to save money on DIY renovations

How To Save Money On DIY Renovations

Last year, my beloved and I embarked on our first home renovation adventure. As it was our first mission, we thought it apt to focus on something fairly straight forward. So, we decided to focus on our garage and laundry.   Both of these areas were in desperate need of a face lift. The floors […]

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what my childhood taught me about money

The Good, The Bad, And The Ugly: What My Childhood Taught Me About Money

When I was growing up, money wasn’t plentiful. Don’t get me wrong, we always had a roof over our heads and food on the table, but there wasn’t usually much more to spare.   As an adult, my Mum told us that for quite a long period of time when we were young, she would […]

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New Year Resolution Progress

In January, I posted my New Years resolutions for 2018 in order to hold myself accountable for those resolutions for once in my life!   As it is now well into the second half of the year, I thought it was time to check in and see just how well, or shit, I’m going with […]

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What to do when your friends have a huge travel budget and you don't

What to do when your friends have a huge travel budget (but you don’t)

This is a guest post written by Monika Gudova for Mozo.com.au.   As “fun” as it may be, sometimes we all need a break from the world of walking-meetings and hot-desking, so when your bestie asks you to join her for a 14-day European vacay, you say yes – with bells on!   That is […]

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Is your income keeping up with inflation

Is Your Income Keeping Up With Inflation?

This week Industrial Relations action commenced against my employer regarding our latest Enterprise Bargaining Agreement (EBA). This was mostly due to the fact that my employer’s wage offer under this agreement was a 0% pay rise for the next 3 years.   This is the first time in my employer’s history of offering no wage […]

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how to get rid of credit card debt fast

Drum roll……. We paid off our credit card debt!

In May 2013, my dearly beloved opened a credit card account with the Commonwealth Bank of Australia.   The primary point of this credit card was for “emergencies”. At the time, we didn’t have an emergency fund. In fact, we didn’t have any savings. So, it seemed logical, and rather responsible, to have some kind […]

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Is It A Wise Idea To Save Money When You're In Debt?

Is It A Wise Idea To Save Money When You’re In Debt?

This post was written by Stacy Miller from kissyourmoney.com. Stacy’s blog aims to provide real-world advice, tips and tricks to make, spend and save extra money smartly. Conventional wisdom says that you should focus on paying back your creditors when you’re in debt, but is this really the case?   When you’re in debt, saving […]

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Can salary packaging be used to get out of the Medicare Levy Surcharge?

Can I use salary packaging to avoid the Medicare Levy Surcharge?

In early June, my beloved and I received letters from the Australian Government outlining that as we were now 31 we would be subject to the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) from 1 July this year. This notification has two potential implications for us.   Firstly, if our combined MLS assessable […]

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