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…