Budget Archive

Trying to stay under $100 per day

As I have noted in the past, my wife and I are going a bit crazy tracking every single dollar that we spend. The reason that we are doing this is so that we can enter into our new mortgage with heaps of confidence that we will be able to pay it back quite quickly

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We’re under attack by Termites

I got home from work recently and my wife tells me that our next door neighbors had been over earlier in the afternoon to tell us that they had discovered termites entering their property. This isn’t great news considering how close our houses are to each other, and it leave me feeling very uneasy about

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Total May Spending Update

If you remember not so long ago I wrote about my wife and I getting back into monitoring our expenses, well now it’s time for me to detail exactly how much we spent in painstaking detail. The goal of this is to affirm to myself that we are doing the right thing, and to also

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Changing your views on money and becoming financially literate

I’m sure that everyone knows someone that is struggling financially. It isn’t fun, and for some reason money is often considered one of those taboo topics where no one really likes to admit there might be a problem, or as for help if they need it. Quite often people don’t even realise they have an

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Staying Cool in the Heat on a Budget

I realise that the vast majority of people that visit my blog are from the USA and Canada and are experiencing winter time snow falls, but here in Australia things are heating up. We are in the middle of Summer and Saturday was an absolute scorcher with temperatures getting up into the 40’s. So as

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Saving Money an Extra Dollar at a Time

With a new year comes a heap of great new chances to save money, and being at the start of a new year I am going to share with you one of my favourite ways to help people save money.The idea is fairly simple, but the amount of money you save can really add up

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Debt, Compound Interest and Home Ownership

Today I am partaking in The Gift of Debt Series, which is all about how Debt has changed your life for the better. Now most people don’t think of debt as being a good thing, and in general I would agree. However, there are occasions where debt can teach you some valuable life lessons. Like

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Experiencing Life After Debt

Reflective post incoming — It has recently come to my attention that if my wife and I sold all of our investments and pooled our savings accounts that we would be 100% debt free. I’m not going to lie, it’s a pretty exciting prospect. However, it also means that we are entering another chapter of

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Appreciating the Value of Money

I have had a lot of conversations lately around the value of money and how your life situation tends to influence how you view money. As an example, my boss was speaking about his girlfriends children who tend to be gifted a lot of things simply because their grandparents are reasonably wealthy. He feels that

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How to Save Money for a House

Your own house is possibly the most expensive asset most people will ever own, but before you will be able to own a house you will need to know how to save money for a house. After all, since the GFC the banks aren’t handing out 100% loans any more and so it is important

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Super Cheap Hobbies For People On A Budget

Many people think that you can only entertain yourself by spending lots of money. I’m here to tell you that there are plenty of super cheap hobbies just waiting for you to try. Some of them cost some nominal amount of money, while others are completely free. That means that just because you are on

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The Cost of Raising Children to Age 21

Last week in Australia there were a few articles floating around the web in regards to the cost of raising children to the age of 21. The article (which you can read here if you want) said that it costs on average $800,000 to raise two kids to the age of 21. It was split

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