In 2018 I earnt a whopping 60,899 flybuys points and in the top 5% of earners in Australia. In 2018 I got $452 for free across my rewards partners, but how did I do this on my $40 weekly shopping budget? This article will share my top five tips to increase your flybuys points and put more money in your pocket for 2019.
You want to give more but you don’t think it’s possible, let me prove to you that you can. This year I’ve already given over $1090 to charity this year and some small hacks in your grocery budget can mean you too can eat organic, free range meat, eggs and milk, shop for $40 a week and give more to charity. Today I will share with you the story behind the $40 grocery challenge and show you how!
There are now 6 pay fortnights until the end of 2018, I was saving $818 a fortnight, I’ve taken another look and tightened my budget further to increase this to $1000 a fortnight after I was hit by a large tax bill in September with more to come in November. I will not be making deposit by Christmas but I will work as hard to get as close as possible. Read on for my third quarterly expenditure report for 2018…
Minimalism defines a lifestyle different to what advertising campaigns sell us. We get up, exercise, commute, work, commute, eat, sleep and repeat the process five times a week. Weekends are spent recovering: cleaning our homes, washing clothes, grocery shopping, meal prepping, seeing friends and family and getting ready to start over again. But what if it didn’t have to be that way? The Minimalists preach a different life than the one advertising campaigns sell us: a smaller house, fewer possessions, rich relationships and better health. Today I will delve into three important messages I got from The Minimalists, Joshua Fields Millburn and Ryan Nicodemus’ book, Minimalism.
Kate Joyner came from humble beginnings. She has worked her way up through her career in the education sector and public service completing her undergraduate, Master of Business Administration and PhD qualifications alongside working and caring for her family and also saving to purchase her first unit. This article details Kate’s insights, sacrifices and journey towards buying a unit in Brisbane on her own and provides some key insights for first home owners.
How are you going on your 2018 financial journey? This past three months have been really, really hard for me. On the 17 April I had an accident on my bicycle and fractured my coccyx and two parts of my sacrum. As someone that is normally really active, 2500km logged on Strava cycling before this accident, this has been mentally and physically hard. I have felt like I have lost a little part of my identity and I have been stuck at home. Here’s a quick rundown of my second quarter and how I’m tracking. Today I have $49,530 towards my house deposit and I’m still aiming to get to $60,000 for my house deposit by the end of 2018. There are now 12 pay fortnights for me until the end of 2018, I usually save $818 a fortnight, to reach this goal alongside 6 more interest payments on my savings which are a little over $100 a month. So please read on for my second quarterly spending report for 2018…
Something I found difficult before I started on my house saving journey was a series of evidence of different women and millennials achieving financially. In this new series of case studies I will share the knowledge of others. For my first case study I am proud to introduce you to Tasha, a 28 year old, Brisbane based, single, millennial that I connected with through Instagram. In June 2018 she successfully became debt free clearing $11,489 of debt in 12 months. She writes a personal finance blog, tashagetsfrugal.com where she shares advice and tips, from the best Brisbane birthday freebies, to her budget updates, her goals, interviews with members of the debt free community and her personal finance journey.
Small habits can really add up. This year I am more focused with wanting to buy a house at the end of the year and I thought I’d share with you how I have applied behavioural economics theory to change some of my weekly routines to hack my budget. Here are some items I change up most of the time to find extra money in my budget. These 5 small tips to find an extra $245 a week or $12,740 a year in your account for travel, paying debt or saving for a house! Disclaimer: I’m a millennial so I defo still budget in brunch at the cafe with friends once a week although I’m a sucker for bacon as opposed to avocado.
What sort of budgeting method do you use? Today I will share with you how I construct a zero based budget and provide you with a free spreadsheet to load in your figures so you can harness the power of your most powerful wealth building tool, your income.
Did you know as well as a gender pay gap of 15.3% in Australia women are also expected to pay more for our deodorant and razors too? Every woman uses between 10,000-12,000 disposable menstrual products a lifetime and while men’s Viagra is GST free women are expected to pay GST on tampons and pads. Not the Economiss, This week’s article has some quick tips for women about beauty on a budget!