January Net Worth & Spending: -$21,211 NW

Every month, it generally goes like this: But then all good intentions usually die after the first week of payday: And then the final realisation: JANUARY SPENDING: The Breakdown This month there was a slight drop in spending and expenses by just under $100, however expenses still rallied high as I went on a number…

The Lucrative Business of Financial Freedom, Hope & Motivational Quotes

Yesterday I attended a 500-attendee, all-day real estate seminar on building passive income and becoming financially free. To elaborate, I walked straight into a scam artist seminar room of misleading information and ‘get-rich-quick’ schemes and willingly sat there for a good 8 hours. I attended this strategically titled ‘Growth & Cash Flow Secrets of Real Estate Millionaires‘…

Where did all my money go?

I was talking to a colleague this week about what she had planned for her up-coming Australia Day and annual leave holidays. For one of her holidays, she was organising a weekend get-away for her boyfriend’s birthday and for the other days off there were back-to-back exciting adventurous activities from paint-balling, dinners with friends ($100…

Top Budgeting Tips: How I’m Curbing the Splurge

Since discovering the secret world of Financial Independence Retire Early (FIRE) a few months ago, I’ve been following some tips to reduce my expenses and clarify what I really value and what is worth spending my money on. These tips have helped me cut down on my spending and stop buying everything and anything to only…

December Budget: Spending Season

They call it ‘Silly Season’ for a reason – I easily forget my bank balance and make it rain with dollar dollar bills. This pretty much summarises my December:   To break down how I spent my December and Christmas break: Hmmm… spending close to 100% of my income. No bueno! December ran over 5 weeks,…

15 Day Minimalist Challenge: Day 14 & 15

Today marks the 15th day of the year and the final day of the Minimalist Challenge. I’ve sold, donated or thrown 135 items in the past 15 days – literally de-cluttering my wardrobe, bathroom, study and fridge of my physical and emotional baggage. Everything I have left are things I use regularly, value highly or…

15 Day Minimalist Challenge: Day 13

Read my previous post of Minimalist Challenge: Day 12 here.    As I continue the challenge of clearing out my house junk and emotional baggage, I’ve noticed some continuous big patterns in my spending habits: Everything I threw away or donated was of bad quality, ill-fitting and had a short life span, resulting in frequent…

15 Day Minimalist Challenge: Day 12

Read my previous post about Minimalist Challenge: Day 10 to 11 here. The struggle is real, folks. The struggle is real. This real. And even more real.   As I reach the double-digit days I’m finding it harder to find things to get rid of. The items I’ve already donated, thrown or put aside items…

15 Day Minimalist Challenge: Days 10 to 11

Read how the previous days went in previous post Minimalist Challenge: Days 6 to 9. I forgot that a couple of months ago I went on big clean-out of the bathroom so my hopes of a Genghis Khan-style raid of every drawer and crevice turned out to be more of a sad effort at throwing…

15 Day Minimalist Challenge: Days 6 to 9

I’ve reached the halfway mark of the Minimalist Challenge! Read Minimalist Challenge Days 1 to 5 here.   All I could think about at work was getting home and de-cluttering my apartment to complete this challenge. Once my toe was in the apartment doorway, I went on a de-cluttering rampage that would have made Genghis Kan…

15 Day Minimalist Challenge: Days 1 to 5

To break into the New Year and follow through with my New Years resolution to get rid of any items which no longer create value for me or have been accumulated and just creating clutter, I’m starting with a 15 Day Minimalist Challenge.     I found out about the idea initially through Sugar Mamma –…