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!

FOTAL Banner

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!

Savings and Investment

ETT Budget Breakdown with YNAB – Savings and Investment

I love seeing how other people budget, getting down to the nitty-gritty of their categories and numbers, but I don’t feel it is fair to gain value out of what others are contributing without contributing something ourselves. As promised, here is the eighth and final Budget Breakdown for the Enough Time Machine. This represents how much we budget per month, not necessarily how much we spend. In this concluding week we are looking at Savings and Investment. Savings vs. Investment The way that I allocate money to our savings/investment buckets is by thinking of them in terms of timeframe and known spending. Savings are for particular, identified items, and the money is to be spent as soon as … Show Me More!