A Simple and Streamlined Life June Update/July Goals In June, my primary goals were to Simplify, Streamline and Sell Stuff. There’s still lots to do on all three goals, because, well… simplifying and streamlining your life requires a good deal of thought and planning. Sure, there’s been a lot of tossing of unwanted stuff and …
Did you manage to achieve a debt free Christmas last year? If not, would you like to this year? Yes? Well, with just under six months to go until Christmas is here again, now is the time to start planning for not just a debt free Christmas but a stress free one, too. Get Started …
Get More from Your Smart Phone using Personal Finance Apps Love them or hate them, smartphones can be useful. Not just a mobile phone, they’re a camera, GPS, internet browser, e-reader, and the list goes on. It seems everyone has one and they are fast becoming integral to the basic functioning of our daily lives. …
Putting your finances on autopilot is a great way to stay on top of your regular bills and savings. Setting up automatic bill payments helps reduce the possibility of missing a payment and getting hit with a late fee plus it can remove or at least reduce any anxiety you might feel when it comes to …
Debt snowball, avalanche or consolidation, which is the secret ingredient to finally paying off your debt? Being debt free is the foundation of financial freedom. Once you’re free of debt you can begin to actively invest and build the assets that will enable you to retire, whether you’re aiming for early retirement or not. So, …
I’m on a mission to seriously reduce my spending at the grocery store. In the last few months I’ve managed to reduce spending on all our general grocery costs by over 50%. In November I spent $670 and in April I spent just under $330. This is how I slashed my grocery bill by 50% 1. Shop …
It’s no secret our grandparents view the world differently. If you’re like the majority of people, your grandparents or great grandparents lived through the Great Depression. The financial lessons they learnt during that harsh time are a legacy worth sharing. I only knew one of my grandparents and, as the Great Depression made its way …
Sometimes, disaster really is the mother of invention. In this case, money got tight, really tight. I needed to avoid spending, any spending, for 10 days and so, the $20 spending challenge was born. As I talked about in The Dangers of Denial, my once successful online retail business took a serious downturn. The last 12 …
Autumn is here at last and that means it’s time to get the vegie garden prepped and planted for winter crops. I used to run my vegie garden all year (I live in a temperate zone) but for the last few years, I’ve chosen not to plant out during the summer. My reasons are two-fold: …
For many years now I’ve appointed February as a designated ‘No Spend’ month. I think it all started as a way to recover from the additional costs of Christmas, the summer holidays, and the back to school spend fest. It’s also the shortest month. Last year was the first in a long while that February …
In a previous post, I discussed paying off your debt as being one of the Five savings goals that will change your life. Chances are, you’re well aware of how being debt free will have a huge, positive impact on your life, you’re just not sure where to start, or how to figure out what to pay. …
Struggling to take that first step to financial freedom? If you are, don’t despair. Read on to see how these five savings goals will change your life. The big question most of us struggle with is this: Which should you do first; save for the future or pay for the past? I think you need to do a …