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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Why net wealth is the only kind of wealth that matters - Australian personal finance blog

Net Wealth Is The Only Kind Of Financial Wealth That Matters

You may have noticed that in addition to terms such as Financial Independence and Financial Freedom, something I refer to a lot is Net Wealth.   In this article, I’ll give you the run-down on what Net Wealth is and why it is the only type of financial wealth that matters.   What is Net […]

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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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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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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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Meet Spendy Mcspender - my pre frugal living, money saving self.

Meet Spendy McSpender: An interview with my pre-frugal self

May 1st 2018 will mark 1 year since a metaphorical coconut fell on my head, triggering the radical tightening of the purse strings and embarkation upon our financial independence seeking, frugal living adventures.   Throughout this year, we’ve had money management successes and failures. Most notably, we’ve achieved our target of going from saving 5% […]

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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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money goals

New year. New goals. New resolutions.

The new year tends to inspire a renewed motivation within us to be proactive and take control of our lives. So many of us make a new year resolution with the greatest intentions. Sometimes we achieve these financial goals. Sometimes we get to the end of the year and forget what it was we said […]

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