In May of 2017, I commenced my financial freedom journey. It is my goal to go from having high-debt and low-savings, to low-debt and high-savings within 5 years.
Ultimately, I aim to achieve Financial Independence in my 40’s. You can follow my journey here.
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. At the end of the first quarter of the year, I posted an update on our progress to date. We’ve now just entered the second quarter of […]
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 […]
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 […]
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 […]
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 […]
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, […]
In January, I posted my New Years resolutions for 2018 in order to hold myself accountable for those resolutions for once in my life! As it is now well into the second half of the year, I thought it was time to check in and see just how well, or shit, I’m going with […]
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 […]
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 […]
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 […]