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Acorns Goes Green – Farewell, Exxon, and Thanks for all the Dead Fish

They say that the best time to start investing is yesterday (or even better, when you are a wee sproglet, earning your first pocket-money). The second best time is now. Yet, you don’t want to go throwing your money at something you don’t understand. In 2016, we were at the beginning of discovering the world of Financial Independence Retire Early (FIRE). I was reading as many blogs as I could get my eyeballs on. I learned that the best way to reach FIRE was by investing, either in property or shares. We couldn’t just jump right in, though. While we were lucky that we didn’t have any debt, we did … Show Me More!

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June 2017 Spending and New Habits

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! June turned out to be a better month than I was expecting. We exceeded our daily spend rate goal last month, and I knew we had a big bill coming up this month. In the absence … Show Me More!

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Contents Insurance – How Much Should You Insure Your Contents For?

Last post, I showed you how to estimate the cost of rebuilding your house, and so determine an indicative amount to insure it for. This post we are looking at what is in your house. From all those things that have been there for so long, you don’t even notice them anymore, to everything you use on a daily basis. If you are at home reading this, stop what you’re doing and look around. Imagine every little thing you can see just disappearing like soap bubbles – pop, pop, pop! This includes the chair or lounge you’re sitting on, or the shoes on your feet. This is why you may … Show Me More!

Home Insurance Banner

Home Insurance – How Much Should You Insure Your Home For?

It’s time to renew our annual home and contents insurance. Every year, the renewal arrives, I look at it, and have no idea whether the amount we are insured for is reasonable or not. How on earth do I know how much it will cost to rebuild our house? Or what the total worth of all the “stuff” we’ve chosen to bring into it over the last 20 years is? Usually I look at it, shrug, and pay. In the spirit of personal finance, this year it is time to take a deeper look at what we can do. In this post I am investigating home insurance on a building. … Show Me More!

Banner 2017 Spending Review

May 2017 Spending and New Habits

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! Daily Spending Rate May was a return to normal after our holiday in New Zealand. And when I say normal, I actually mean expensive. We had two big bills, and two unexpected expenses. Our daily … Show Me More!