The debate around whether or not you really need to budget waxes and wanes in the personal finance community. Some claim not to need a budget at all, some use a "bucket" system, others track their spending only, and some go all in. For the past two years I've been blogging, I've been "all in" … Continue reading So, do you really need a budget?
Reducing the discretionary spend – June 2021 results and overall year
June 2021 I'm a little later than I would normally be with this update as I was waiting for my final electricity bill to come in. I changed providers right near the end of June, and it took a couple of weeks for my previous provider to send through the finalised account. While the overall … Continue reading Reducing the discretionary spend – June 2021 results and overall year
Reducing the discretionary spend – April 2021 results
Hmm, I might've gone a little overboard in April. I ended up with my second-highest negative net cash flow so far this financial year. That said, nearly a quarter of the overspend is because I decided to make some additional charitable donations above my usual annual budget (so far I've donated almost double what I … Continue reading Reducing the discretionary spend – April 2021 results
Welcome to all my new followers!
Hi everyone, and thanks for subscribing! Having recently noticed a spike in subscribers, I thought I'd quickly say hello and welcome to my blog! If the blog name hasn't given it away, I'm a single person seeking financial independence. I'm also a late starter - I only came across the concept after I hit the … Continue reading Welcome to all my new followers!
It’s my 2-year blogaversary!
It's hard to believe that I've been at this blogging thing for two years already. When I first decided to start a blog about my path to FIRE it was very much a bit of a suck-it-and-see exercise; a post on another blog, Australian Dividend Investor (sadly no longer being published), about why you should … Continue reading It’s my 2-year blogaversary!