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Time of Change

Initially, this was meant to be a blog about time. How we wanted to spend it, how we could get more of it to spend how we wanted. It’s morphed into personal finance, because the truth of industrialised countries is that you need money to buy time. Of course, we all know that you can’t actually buy EXTRA time. We all have an unknown, set number of years, months, days and hours. For an anxiety inducing graphical representation of the time you possibly have, Wait But Why produced handy checkboxes here. Even though we measure time as a fixed entity, our perception of it changes. Bored? Time stretches out forever. … Show Me More!

Banner 2017 Spending Review

January 2017 Spending and New Habits Update

After our expensive year in 2016, we set ourselves a goal to reduce our spending by 10% in 2017. We want to do this because it has a double effect. Firstly, it frees up more money to invest for our future. Secondly, if we can live on less, then it brings that future much closer. In 2016, we spent $80,000. To generate that using passive income and the 4% rule, we would need $2,000,000 invested! via GIPHY How did we do for January? Our daily spending rate goal was $194.34. We only spent $131.40. One month down, but I’m not becoming too cocky – February only has 28 days, and we … Show Me More!

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Are You an Investor, or Just Investing?

Since I discovered Financial Independence blogs, I have begun to seriously consider and research how I can put our money to work for our future. All I wanted to do is get to the point where I could start investing. We finally have an emergency fund, along with three months of living expenses fully funded, so it’s time. However, late in 2016, I read a post by Kayla from Shoeaholic No More detailing ways you can start investing with a small amount of money, and that gave me pause. Am I already an investor? Having recorded where our money goes since January 2016, then performed an end-of-year analysis, I realised we were already participating in some of Kayla’s … Show Me More!

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A Mindset Change To Banish Overwhelm

I love blogging. I decided when I started that I would commit to posting once every 8 days for at least a full year. You may be asking, “why not weekly?” In my head, that didn’t feel achievable, whereas for some reason adding an extra day did. I didn’t want to overwhelm myself, or reduce my chance of success. To me, blogging regularly shows commitment. However, as it turns out, blogging isn’t only about chucking some words down on a page and pressing post. What’s So Overwhelming About Blogging? I enjoy all the other tasks that go along with running a blog, such as: maintenance tweaking the theme adding plugins … Show Me More!