Frugal February Update No.1

At the beginning of February, I joined the Frugal February challenge to consciously reduce costs for one month. We’re halfway through the month, with a couple of months to go and so far the savings are already accumulating. We’ve just started a third lockdown here in Melbourne so with non-essential businesses shut for at least…

January Net Worth & Spending: +$130,614

For new and existing readers, this is my journey as an anonymous 30-something Australian blogger progressing from -$20,000 net worth in Nov 2016 to financial independence. Scroll to the bottom of the page and hit subscribe to stay posted! Welcome back to the blog and another monthly update of my net worth and spending. After…

December Net Worth & Spending: +$133,045

For new and existing readers, this is my journey as an anonymous 30-something Australian blogger progressing from -$20,000 net worth in Nov 2016 to financial independence. Scroll to the bottom of the page and hit subscribe to stay posted! December closes a big year and time to reflect on some major achievements. While financially I…

6 Frugal Wins and 0 Frugal Fails

This week was relatively quiet. Lockdown restrictions in Melbourne have eased and life is returning to a somewhat normal pace now. However the impacts are being seen – in the CBD the streets are quiet and many shops have ‘For Lease’ signs on them after the tenant went under. When government support ends in March…

7 Frugal Wins and 2 Frugal Fails

This past week has been abundant in frugal wins. Since lockdown restrictions eased, I’ve run around doing errands and ticking off the big list of things I had to put on hold for the past 4 months. 7 FRUGAL WINS I had a long overdue dentist appointment on the weekend for a clean. It was…

October Net Worth & Spending: +$108,373

What a rollercoaster year 2020 has been. It’s early November as I write this in my living room in Melbourne, Australia. The COVID restrictions have eased in the past week – no more curfew, retail shops, cafes and restaurants are back open, and soon an end to the 25km travel distance limit. There are barely…

May Net Worth & Spending: +$74,754

For new and existing readers, this is my journey as an anonymous millennial from -$20,000 net worth in November 2016 to financial independence and early retirement. Subscribe to my blog to stay posted! We’ve now reached three months since the beginning of the heavy COVID restrictions and life in self-isolation has become normal. Things are…

9 Frugal Wins and 1 Frugal Fail

These past couple of weeks, I’ve been learning more about frugality, especially how it can frugality can be a wonderful expression of creativity rather than deprivation. The more I appreciate what I have, the more abundance I see around me and find resourceful ways to get more out of what I already have. 9 FRUGAL…

How to… Track your spending 101

For new and existing readers, this is my journey as an anonymous Australian blogger progressing from -$20,000 net worth in Nov 2016 to financial independence. Scroll to the bottom of the page and hit subscribe to stay posted! This COVID-19 lockdown period has shone a light on how a short-term shut down of the economy…

7 Frugal Wins and 3 Frugal Fails

7 FRUGAL WINS I cancelled my audible membership before the end of the 30 day free trial and still received a free ebook. I don’t use audible that often but have a number of books in my account I’m still listening to. I’ve started to have the attitude of ‘waste not, want not’ before I…

April Net Worth & Spending: +$66,747

For new and existing readers, this is my journey as an anonymous millennial from -$20,000 net worth in November 2016 to financial independence and early retirement. Subscribe to my blog to stay posted!   The last time I posted was exactly a month ago when the coronavirus crisis was still in its early stages. We’re…

March Net Worth & Spending: +$60,134

For new and existing readers, this is my journey as an anonymous millennial from -$20,000 net worth in November 2016 to financial independence and early retirement. Subscribe to my blog to stay posted!   Wow. What a year. What a ‘first quarter’ of the year. First there were the worst bushfires in Australian history which…