Bookclub – Grit

Bookclub – Grit

How far are you willing to go to reach your financial goals? I’ve recently hit a wall with my budgeting. A high wall. A $16,500 wall that 15 months is mentally crushing me. It’s is not that much considering how far I have come. Considering that my board and amount of savings I need to budget to achieve my goal is sitting at about 60% of my net income. I’ve come back to Harvard Professor, Angela Duckworth’s book for inspiration. In this article I’ll share with you my recent continued hardaches and the three elements I have come back to in Duckworth’s research to recentre and recalibrate.

First quarter 2018 expenditure breakdown

six month report

How are you going on your 2018 financial journey? Here’s a quick rundown of my first quarter and how I’m tracking, at the moment I have $43,554.79 towards my house deposit and I’m aiming to get to $60,000 for my house deposit by the end of 2018. It was one of those magic three payday months in January and I realised at the end of the month if I wanted to reach my $60K house deposit goal by the end of the year I was going to have to up my saving from $750 up to $818 a fortnight. Bikes was the word for February, lots and lots of money on bikes. In March I booked flights home to New Zealand for my Grandad’s 90th and came to the realisation that the big overseas trip I plan once a year might not be a possibility this year, perhaps instead a smaller trip to Fiji, Rarotonga or Bali. So here you have it, here is my first quarterly spending report for 2018…

Meal prep for $40 a week

Meal prep for $40 a week

I have had a few people ask me about how I’m eating ethically at such a low budget with the $40 grocery challenge. This week I decided to document how I do it, recipes included, and include links through to my grocery receipts on my Instagram to show it is possible. With my challenge I am shopping for one person, I occasionally cook for friends but mainly yours truly. If you are a couple take your budget up to $80 and if you are a family add to your budget again. I’m not always perfect, I go over budget from time to time. With my challenge I am aiming to get creative, eat ethically in order to donate an extra $20 a fortnight to charity.

How to reduce your grocery bill to $40 a week

How to reduce your grocery bill to $40 a week

Can you go into the kitchen and think outside of the box to create something out of very few ingredients? In this article I will discuss and challenge you to shake up your eating and participate in the $40 grocery challenge. This challenge touches your own personal creativity to reduce your carbon footprint to allow you to free up some extra money to give to your favourite charity.