Mr Millennial rang me just before he walked into work. "I saw the specialist this morning", he said to me, "I need to take six weeks off work". I stopped what I was doing and started some mental calculations. "How much sick leave do you have?" I asked. "Five days" was the reply, "the rest … Continue reading The Importance of Being Frugal
We've all been known to fall into the traps of convenience. Sometimes it's picking up take away on your way home from a long day or driving somewhere that you know is walking distance but you're feeling a little tired. At times, it feels like convenience is the enemy - always letting you make bad … Continue reading Save Time and Money by Automating Your Life
In the past twelve months, Mr Millennial and I have made a number of changes to slash our spending and increase our saving. To help you on your saving journey, I thought I'd share a few of them here: 1. Reducing our Consumption of Meat A few years ago, I had a friend over for … Continue reading Slashing our Spending
A financial blog is not a financial blog without some transparency with how we spend our money. Because of that, I have run the numbers on our spending in 2018. This includes every dollar spent except for deposits on wedding things (we are getting married this year) because we budget separately for the wedding. Housing … Continue reading My 2018 Spending
You know that your super is important, because it's what you're going to live on after you retire. But should you be making extra payments into your super now? And how can salary sacrificing offer you benefits? What is salary sacrificing? Salary sacrificing is when your employer pays part of your wage into another benefit … Continue reading Should I Salary Sacrifice into Super?
I've been spending a lot of time lately thinking about the things around my home that I truly value and that bring meaning to my life, rather than being useless clutter. As a response to this, there are a few changes I'm making around different aspects of my life. I've reserved Marie Kondo's The Life … Continue reading Cleaning out my Wardrobe
When making changes in your life like reducing your use of the car, cooking more food at home and living in more affordable areas, people may begin to tell you that you're being cheap. However, it's important that you maintain a clear line between being frugal and being cheap. Frugal Being frugal is being … Continue reading Frugal vs. Cheap