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Friday, 31 March 2017

What's your earliest money memory?

Remember this blissful ignorance of youth? When food magically appeared, mounds of toys were gifted every Christmas and birthday and you wanted for nothing? Then at some point you discovered 'money' and things were never the same. Suddenly those toys had a cost, but if you had money you had the power to buy things!

Sometimes discovering money is wonderful, sometimes it's not. I asked some of my favourite bloggers what their earliest Money Memory was, and how it shaped their path to Financial Independence.

Saturday, 25 March 2017

Eggscellent pets: Frugal and flavourful!

Check out these beautiful ladies. Tempest, Ethyl and their (unpictured) sister Wookie have been keeping me rolling in eggs for almost three years now. I've owned chicken since late high-school and they are some of the greatest animals in the world. On top of producing eggs daily, they dispose of any food scrap you can think of (except onions and citrus fruits) are solely responsible for the eggscellent soil in my veggie path, and are just so darn adorable.

Tuesday, 21 March 2017

Ratesetter: Peer-to-Peer Lending

Have you ever looked at the huge fees and interest rates that personal lenders charge and thought 'damn, I wish I could be on that side of the equation'. While banks and credit unions are offering us a piddly 3% interest rate on 'bonus' saver accounts, they are charging 13-20%. Someone is making a killing there, and it's not me.

Enter RateSetter, where you can be the lender and reap the profits.

Friday, 17 March 2017

Where should I put a windfall? Tell me what you think

I have an unexpected 'windfall' coming my way. I purchased $5,000 worth of bonds that were listed to last until 2074. Given the current low interest rates a lot of companies have been paying out these bonds and opening new ones with much lower interest rates. It's good business for them, but it means they're closing my investment and I'm about to have $5,000 in my pocket. I have some ideas what I want to do with it, but I'd love to hear your opinion.

Tuesday, 14 March 2017

How the Pink Tax is ruining your finances

Have you ever actually sat down and worked out how much it costs to be a presentable, functional human being. There's clothes, hair, make-up, hygiene, the inevitable caffeine hit to get you through the morning. Sometime in the past some smart marketing gurus figured out that if they make us feel bad about ourselves the way we are, they can sell us products to 'fix' ourselves. 

And then they realised they could hit women twice as hard. 

Thursday, 9 March 2017

She's making a list...

I used to keep a big list of everything I wanted to buy. Every time I had a passing whim to buy something I would throw it on the list. At the end of the week while I was tallying up my budget I would write in an extra $5 next to each item. Things stayed on the list until I had enough money set aside to buy them. It seemed like a great system until I had over 100 items on the list, and almost $3,000 'held' for things I was never going to buy.

Since my March goal is to keep my Other / Miscellaneous spending as low as possible, it seems like a good time to revive the list.

Sunday, 5 March 2017

Acorns: Small change investments

Whenever my friends mention on Facebook that they have a bit of savings and they're wondering what to do with it, I'm always the first to pipe up with an opinion. The problem is that most services require a hefty amount to get started (Looking at you Vanguard and your $5,000 minimum buy in) or you need to leave you money there for a long time for a decent return (RateSetter) or the fees are just so appalling you lose half your investment paying someone to manage your tiny nest egg.

Enter Acorns, an absolutely fabulous little platform for getting started.

Thursday, 2 March 2017

Goals Update: February 2017

Spending the money, a lot of money. Based on my past budgets the start of the year is always super expensive as I pay all my annual bills and deal with the Christmas hangover and eating expensive food because it's too hot to think straight, but this month has been ridiculous.

At least I got a decent tick on the non-financial goals.

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