Fifteen Years To Freedom

The first complete month of the new budget is over. It's time to see how we did! Before you take a look, you may notice that there is a line item missing...

KiwiSaver is a New Zealand investment vehicle to help regular people easily save towards their retirement. It exists alongside the Government Pension (Superannuation) that every citizen is entitled to, and having some support...

The journey to Financial Independence is hugely rewarding - but it isn't always easy. It can get frustrating, be demoralising and feel hopeless. It's definitely a challenge that is best faced together,...

True freedom comes with the ability to pick and choose how you live each moment. Do I spend this beautiful Wednesday hiking across the bushland to the coast, or should I fire up...

For most people, pursuing Financial Independence seems a pipe dream; talk of saving 50% or more of your income is laughable. Scraping together enough to be able to take a family holiday once...

When I first looked at our financial situation in earnest back in July 2017, it did not make for pretty reading. I was working full time, and my wife three days a week....

I was a Minimalist. My wife was a Frugalist. This is a love story of how a couple overcame radical differences to find common ground, and live happily ever after as Deliberatists. "Wait!...

In the last post on The $50k a Year Budget I mentioned that spending a dollar less is better than earning a dollar more. Doing both is better still, but in the short...

If you've done much reading elsewhere in the Financial Independence Community, you'll have seen a lot is made of having a low cost of living. To do the subject justice will...

When I decided I wanted to retire by the time I was 55, I knew I would need a plan. And who doesn't love a good spreadsheet? It turned out that with...

Let’s travel back to August, 2017. I’m a 41 year old guy, with a great job as a software engineer at a company I love. I own two thirds of a...