The Top 5 Money Lessons My Frugal Parents Taught Me

After reflecting on the money lessons I wish I knew or at least wish I listened to at age 18, I decided to share some financial wisdom which my parents instilled at me while growing up. I am lucky enough to have parents who had an education and careers in finance as well as frugal…

The 5 Money Lessons I Wish I Knew At 18 Years of Age

Inspired by my favourite frugal vlogger, Budget Girl, I’m sharing with you the 5 money lessons that I wish I knew at 18 years old, which would have put me in a MUCH better financially position in the 8 years that have followed.   ONE: I wish I knew that my decisions at 18 would…

The True Cost of Having a Job: Is it really worth working the 9-5?

Just earlier today the Fair Work Commission announced it had increased the Australian minimum wage by 3.3% for the new financial year to $18.29 per hour. This piece of information would normally go unnoticed by me as I’m now a professional adult with a professional office job in professional corporate clothes, moving up in the world. I’m…

Why I’m not repaying my student debt, and you shouldn’t too.

As an avid follower of personal finance, frugal and debt-reduction vloggers, one of the hot topics of the Personal Finance Youtube space is the challenges of paying off student debt and the woes of the living with debt shackles which come with such high debt when you’re fresh out of uni and working on minimum…

Are your friendships breaking the bank?

One of Mr. Piggybanks’ friends recently returned from a three week work trip in Israel and came over to our place for drinks for a long-overdue catchup.   Having gotten to know his Israeli colleagues while on this work trip, cultural and social practices stood out like a sore thumb in contrast to what he…

May Net Worth & Spending: -$11,804 NW

What a rollercoaster of a month! From travelling through tropical jungles to having a work/life crisis and feeling directionless to having an epiphany to becoming career-driven again and direction-FULL. Good thing I’m a woman because I don’t think any man could manage all those emotional ups and downs and come out alive (and sane).   I reached…

Three Frugal Ways to … Save money on food at work

It goes undetected how much it actually costs to go to work – public transport, work-related clothing and networking functions. Above all these expenses, without a doubt, work-related take-away food is always the culprit when it comes to massive overspending. Those small, tiny, regular purchases sneak up on us and whack us with a major dent…

April Net Worth & Spending: -$13,817 NW

The April Net Worth & Spending monthly update is finally here! Better late than never right? Right? Mid-April was the beginning of my annual leave which continued into early May, so the bulk of my travel expenses as well as pre-travel work-stress shopping spree fell into this month. It was a splurgy month and I gave…

How to Turn Every Long-Haul Flight into a Low-Cost Spa Opportunity

  One of my pet peeves is arriving at your destination after a long-haul flight and looking and smelling like a banshee. No-one wants to arrive at their refreshing holiday get-away feeling like they want to get away from their own lack of shower and airplane breath. How is it that some people arrive at…

Three Frugal Ways to… Build a stylish wardrobe on a budget

Introducing the ‘Three Frugal Ways to…’ series! In this series, I will outline my top tips to maximising the value derived from your possessions, holiday experiences, lifestyle and needs while minimising the cost. ‘Three Frugal Ways to… Build a stylish wardrobe on a budget’ is the first of the series, with many more to come. Follow…

The Importance of F***-You Money

Ever wake up and realise suddenly a quarter of the year has already gone and you’ve done nothing but eat, sleep, work, repeat?   The other day I came across the ‘Simples’ Series on ‘The Minimalists’ Youtube channel which animates and narrates the way monotony and conformity creates staleness within our lives. It’s about how we put…

A Man is not a Financial Plan

At the ripe age of 26, my Facebook feed is starting to clog up with close-up photos of hands with the caption ‘I said YES!’, hundred-photo albums and cheesy videos of extravagant weddings. Soon come the ‘sold’ photos next to their first home followed by photos of sleeping babies from every angle, every moment of the day….

I made my first investment and the world didn’t end.

How do you start investing when there is non-stop talk of overpriced assets, inflated Sydney property prices, the stock market rallying and the ‘end is nigh’ Homers are dinging their doomsday bells in the street? Making my first investment was absolutely terrifying. Thoughts that ran around my mind like a hamster in a hamster wheel were ‘What…

March Net Worth & Spending: -$18,269 NW

That time of the month has come around once again to air my dirty financial laundry and dissect the glorious damage. While it was still a bit of a spendy month, I had some major personal wins: Attended my first Mr. Money Mustache meetup and met some awesome other Mustachians. It felt like a mix…

College Students: The Original Frugal Pioneers

If you plant pasta and water it with alcohol, a university student will grow. Gone are the days of pulling all nighters, working on the shop floor for peanuts and living in your teenage bedroom in your parents house, however there are some valuable lessons I’m (re-)learning from my university days, courtesy of my university […]

Shhh! Don’t talk about money!

Today I went to a local MMM catchup and struck up a conversation with a Mustachian who was on the edge of being financially independent and retiring early. I asked him whether he discussed FIRE with friends outside of the MMM community. “No, they’re not comfortable talking about money – it’s just not in the…

I’m Kicking Myself

After completing a very disciplined and frugal February, I’m kicking myself for splurging last night. What started off as a catchup over a quiet drink after work ended up being a great catchup over many, many cocktails and stumbling back home in a fuzzy stupor. The great night came with a big shock in the morning as…