I may have just joined a cult. Reducing the discretionary spend – September 2020 results

Those of you who follow me on Twitter may have seen or responded to this tweet that I posted late last month. https://twitter.com/FIREforOneAus/status/1310077482360422400?s=20 After checking out the replies and also quizzing personal friends via Facebook, all of whom said they use theirs a lot/all the time, I decided to splurge and bought myself one. After … Continue reading I may have just joined a cult. Reducing the discretionary spend – September 2020 results

Reducing the discretionary spend – August 2020 results

August was less of a failure than July, so that's the good news to kick off with - hooray! Budget-wise, I was expecting a negative cash flow for August, but it wasn't as far in the negative as expected, so that's nice to see. As usual, Food & Groceries was over budget, however in comparison … Continue reading Reducing the discretionary spend – August 2020 results

Reducing the discretionary spend – July 2020 results

Can you hear the cackle of evil, witchy laughter in the distance? I can! It's the Ghost of the Past Financial Year giving me a razzing. Yep, July was a significant failure in the 'reducing my discretionary spending' challenge. However, it did bring into focus something that I kind of knew already, but to which … Continue reading Reducing the discretionary spend – July 2020 results

Savings rate challenge results – June 2020 and overall year

Well, this is it! My twelve months is up - achievement unlocked! This process I've followed of running a proper budget and tracking everything I spend has been a really interesting, if sometimes tedious, exercise. It's certainly brought sharply into focus those areas where I knew I was probably wasting quite a bit of money … Continue reading Savings rate challenge results – June 2020 and overall year