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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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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Paying off my car loan debt

The Final Curtain Call For Our Car Loan Debt

Where it all began… On July 31 2015, my beloved and I took out a $25,000 variable interest rate car loan for a used SUV with 7000kms on the clock. Throughout its term, the interest on this loan varied between 9.95% and 10.39%.   As I’ve spoken about previously, my beloved and I really didn’t […]

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If I could turn back time I would take back my car loan costs

If I could turn back time

I’ve made a lot of unintelligent financial choices over the years. Despite my modern day frugal living, I still make silly financial decisions. I don’t regret a lot of them, as I’ve experienced some pretty great things throughout my life thus far.   The one thing I do regret however, is succumbing to the fancy […]

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F*ck You Money - Financial Independence Australia

Financial Independence: What is f*ck you money and how do I get it?

Have you ever had one of those days at work where you just want to walk away? Maybe you don’t get promoted simply because you haven’t been around for as long? Maybe a bunch of clients treated you like shit because they were having a bad day? Or, maybe you’re organisation goes through a restructure […]

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The Flawed Consumer Australia personal finance blog

Tell me a bit about yourself, The Flawed Consumer

Hi there. Considering that you’re here, I should probably tell you a bit more about myself (AKA, The Flawed Consumer)…   I am 30 years old, female, married, with 2.0 fur kids and no human kids (just yet). I am Australian and live in Brisbane. My beloved and I just bought our first house 4 […]

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