5 Frugal Food Things

We’re a week into March and so far and I’m determined to tackle my biggest expense – Enter Miss Piggy v Take-Away, Round 1. Here are 5 things I’ve done since the beginning of March to cut down this major expense: Bought breakfast porridge sachets to keep at the office Having breakfast prepared at the office…

It Takes Two to Tango to Financial Independence

  Ever heard of the quote “you are the average of the five people you surround yourself with”? Simply, the people that you spend most of your time with will determine your personal success. Your financial habits and lifestyle choices are influenced by your social circle, whether they are partners, friends or family. Here’s a quick exercise –…

February Net Worth & Spending: -$19,891 NW

Today marked the close of a remarkable month for me. One small lifestyle change for Miss Piggy, one giant leap for Miss Piggy’s FIRE goals. This month closed on a fantastic high. The biggest achievement was finishing one whole month of an alcohol-free Dry February, saving my health and wallet. More importantly, not drinking gave me…

Follow your Dreams but Know the Cost

There is a price to pay for everything in life. Success has a price tag. Living paycheque to pay cheque is taxing. Creativity has a cost. Overall your dreams come at a price. What price are you willing to pay to follow your creative dreams? What price are you willing to pay to not follow…

How to Save like a Boss

Since starting my FI journey in November 2016 I’ve thought of money and budgeting in a completely different way. Money represents your time and energy which you choose to exchange for things of value to you. Every month, our paycheque becomes a transaction where we get paid by our employer and then we immediately start…

Cutting the Crap: Alcohol-Free Weekend No. 3

Read my first post about my alcohol-free February here.   Both Mr. Piggybanks and myself embarked on a no-alcohol Dry February at the beginning of this month. His reasons were centred around health and fitness in the lead up to a sports competition, while mine were around getting control of my free time and finances in…

Cutting the Crap: The Beginning of My Alcohol Ban

Another month, another commitment to change my old habits and test new ones. This month I’m on a 28 Day No Alcohol Challenge, starting from February 1st to February 28th. I actually strongly considered not writing about this challenge for the main reason that if I wanted to break it and have a glass of wine, then I…

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 –…

Letting Go of Baggage

Moving into the New Year has brought a refreshed mindset and clarification of where I would like to be in my friendships, relationships and well-being in the next 365 days onwards. Outside of money, my focus is to reduce ‘waste’ as much as possible in these above three fields and let go of that which…

2016 Net Position + New Years Financial Resolutions

Yesterday I landed back in my hometown for the first time in a year to see family and friends for Christmas and New Years and realised how fast this year has flown by, and more importantly, how little my financial situation has progressed. Coming back home has been a financial reality check from the parents on…

Merry Christmas Readers!

I’m hoping that all my beautiful readers had an amazing Christmas surrounded by loved ones and looking forward to seeing you in the New Year! Thank you for reading my many financial blog ramblings and stay tuned for more in the new year! 😀   xx Miss Piggy