joint bank accounts

Getting joint bank accounts was the best financial decision we’ve ever made

My wife and I first met in late 2006, as 19 year old University students. We’ve been together for over 13 years now, and have been married for 6 years. However, we didn’t get joint bank accounts until August 2018, almost 4 years into our marriage and 11 years together as a couple.   Part […]

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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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Financial freedom book review - Financial Independence Australia

Financial Freedom Book Review – A Proven Path To All The Money You Will Ever Need

This post may contain affiliate links.   In 2010, at the age of 24, Grant Sabatier woke up one morning and decided to check his bank account. With all of his accounts combined, he had $2.26 to his name. In that moment, he realised he needed to make some changes… Some big changes!   So, […]

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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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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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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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The FIRE (Financial Independence/Retire Early) unicorn and its impacts on your career

The FIRE unicorn is ruining my career!

I loved my job Before I discovered the FIRE (Financial Independence/Retire Early) movement, I was somewhat of a workaholic. Consequently, getting ahead at work and securing a better position were hugely important to me.   In fact, my beloved used to complain that my work and work colleagues were the most important thing to me. […]

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Immunity rich foods such as oranges to keep you healthy on a frugal budget

Looking after your health is critical for your finances

I spent about a third of last year sick. I caught 4 colds, one awful stomach bug, and the flu which turned into bronchitis. As a result, I had to have 10 sick days off work, including 4 in a row, which is just unheard of for me.   One could argue that the reason […]

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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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money management

10 simple changes I’ve made to go from saving 5% to 25% of my net income in just 6 months

Today I bring you the TFC 6 month round up. Check out the 10 changes I’ve made below to learn how to save money like a pro:   1. Utilising parent/family skills As it came into winter this year, we quickly realised that our dog required a new coat. The coat she had was two […]

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