Spending 2016 Banner 2

This Year We Need to Reclaim Our Spending

OK. So we’ve had a week to digest the fact that our spending for 2016 was close to $80,000. What now? Is it good? Bad? OK? Shameful? Appalling? Execrable? Firstly, we are going to follow Your Money Or Your Life’s exhortation that this is a no-blame game. It is what it is, there is no use attributing negative emotions to it (or positive ones, for that matter). It is there for analysis, to learn from, and to act as a catalyst for change. In order to better understand what that level of spending means for us, we are going to do some comparisons. Many years ago I was taught that when you … Show Me More!

Spending Review 2016 Banner

The Shock of Calculating Our 2016 Spending Total

The Enough Time Machine has a full 12 months of recorded expenses in its data log, so it is time to command “Computer! On screen!”, run an analysis and determine what we can learn from all of those numbers. We use YNAB to record all of our expenses, and now they have some nifty built in reporting features, it is easy to drill down and listen to the stories that our spending is telling us. Spending Story: Horror I still can’t quite believe that we have spent nearly $80,000. I’m starting to understand why the barely dressed blondes neglect to run away when the scary man with a knife comes … Show Me More!

When Free Isn't Free Banner

My “Free” Gift – Actually $190 With No Easy Payments!

When I logged into our Siteground account the other day, a lovely image offering a series of free gifts for the holiday season greeted me. How festive! How generous. I had two weeks to mull them over in my Christmas induced food coma before accepting with abandon. But wait… there’s more. A little too much more, once you excitedly unwrap those babies, tear off the pretty paper and pull them out of the box. Free Wildcard SSL for 1 Year SSL stands for Secure Socket Layer. This technology encrypts data to and from websites and should be well on its way to becoming ubiquitous. Even Google has stated that all other things being … Show Me More!

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Australians Are Hoarders – Do You Suffer From FOTAL?

Ah, the holidays. It is a rare few that don’t look forward to (or even long for) that stretch of days without formal work. Full-time employees in Australia have an entitlement to four weeks paid annual leave. This entitlement is pro-rated for part-time. Compared to some countries (play with the embedded Tableau graph below), we are lucky to have this amount. When you add in the 10 or so public holidays each year, Australians get a significant amount of paid time off. And yet… at last count, we were holding on to a combined 133,737,000 days. It turns out that Fear Of Taking Annual Leave (FOTAL) is now a thing. Data … Show Me More!

Not Enough Time To Retire Early

There’s Not Enough Time To… Retire Early

My dad turned 70 this year, and the hard fact of that number induced a sudden fearful realisation; my dad is going to die one day. Of course it is inevitable, but as humans we have the ability to ignore the obvious. We just brush it aside and carry on. This day, however, made me take a mental step back and actually look at my dad, through the eyes of someone who has just met him – and he looks old. Yes, he devotes time to maintaining his mental and physical fitness. Being long retired, Dad is under no obligation to get out of bed by a certain time each day, … Show Me More!