2019 New Year Resolution progress

2019 New Year Resolution Progress: Quarter 1

In January, I set 5 goals for the year as New Year Resolutions. I set goals for each of my four overarching principles: finance, knowledge, kindness and health.   We’ve now just entered the second quarter of the year, so here’s my progress so far with this year’s resolutions.   Finance goals This year I […]

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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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New Year Resolutions 2019

New Year Resolutions 2019

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 goals. Sometimes we get to the end of the year and forget what it was we said we’d […]

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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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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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Dumb white girl with money

Bitch, Please! 9 Times I’ve Been A Dumb White Girl With Money

As I alluded to in my Spendy McSpender post, before discovering the Financial Independence movement I could be pretty shitty with money.   Unfortunately, throughout my 20’s, it could be said, I was a bit of a Dumb White Girl with money. I didn’t value it as much as I should have; and I wasn’t as […]

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cheap beer brewing

Beer O’Clock Brewing Sessions: An Introduction To Cheap Beer Brewing

When we started making adjustments to our lifestyle in order to cut spending and increase savings, there were plenty of things that I was willing to sacrifice for the sake of our financial future. However, beer was not one of them. Consequently, in order to continue to keep beer in our lives, I opted for […]

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The unexpected benefits of being frugal

The Unexpected Benefits Of Being Frugal

As I recently mentioned in my Meet Spendy McSpender post, I’ve been on my frugal adventures for a year now. Throughout that year I’ve made a lot of frugal changes to our lives which have helped us cut our expenses and debt, as well as increase our savings.   These improvements to our personal finances were the […]

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financial freedom money management debt free early retirement lifestyle blog

How Grand Theft Auto V led me to seek financial freedom

Before embarking on my path towards financial freedom, we used to spend lots of our weekend time watching Netflix or playing the Playstation.   In fact, I usually dedicated my Friday nights to beer, pizza and Grand Theft Auto V.   For anyone who has played GTA V, you’d know that it includes a virtual […]

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save money

The Flawed Consumer’s top 5 money management fails of 2017

As we enter 2018 and I think about what I may achieve this year, I think it’s the perfect opportunity to reflect on the year in which I started learning how to save money.   I recently outlined my Flawed Consumer achievements for 2017 and the changes I implemented over the year to take my […]

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