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 […]
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 […]
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 […]
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 […]
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 […]
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 […]