The Joyful Frugalista Book Review: Grow Your Cash, Be Savvy With Your Money and Live With Abundance

This post may contain affiliate links.   Serina Bird is not your average middle-aged woman. She is a single-mother of two young boys, recently remarried. A domestic violence survivor. A career woman, award winning writer, blogger, food reviewer, fluid chinese linguist, and lover of life.   Additionally, she is a self-made millionaire; whom has achieved […]

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Financial Independence Journey

Two Years On From My Financial Epiphany, What Has Changed?

As you may be aware, my beloved and I’s Financial Independence journey commenced shortly after my 30th Birthday.   We had just returned from an overseas holiday celebration for my birthday, when I started to get anxious about our financial position. Our holiday had been lovely, but expensive (thanks in part to business class flights […]

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Successes and failures on our financial freedom journey thus far

Our Top 5 Money Successes and Failures of 2018

As 2019 is fast approaching, now is the perfect opportunity to reflect on the year that was.   2018 was a great year for kicking financial goals. As you’ll see below, we made some great strides forward on our financial freedom journey.   However, as you’ll also see, we are still flawed consumers and have […]

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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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Australian frugal living blog

Welcome To My Australian Financial Independence Blog

Hi there. You might have heard a thing or two about being the Financial Independence Retire Early movement (FIRE). Financial Independence seems to be all the rage these days (that and fidget spinners!). With rising housing costs and a volatile job market, one could be forgiven for thinking that it’s just simply too hard to […]

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