Have you considered using a bullet journal budget tracker? I have to admit, up until a few weeks ago, I tracked my budget on a scrap of paper stuck to my office wall and a spreadsheet. I also use Pocketsmith for tracking after the fact, but I’ve been on a mission to get more organised […]
Hi there! I'm Emma. I'm on a quest for financial independence so I can travel more with my family.
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It’s no wonder that Spain’s one of the most popular holiday destinations in all of Europe, between its warm sunny weather, beautiful beaches and affordable dining. Both of the last two springs I’ve headed to Spain for an early year dose of sunshine and warmth, at the end of a long winter. And no matter […]
If you’ve been thinking about how to live frugally and save money, you might be wondering where to start. Frugal living comes as the result of many small changes and can take some time to implement. There are huge benefits to a frugal lifestyle including less stress, more money to spend on the things you […]
At first glance, minimalism may seem like it has little to do with money. Getting rid of excess possessions, paring down your wardrobe to the bare minimum and maybe even downsizing your home is something you do as you become minimalist. It’s not for the money, it’s for a higher calling: internal peace. And yet, […]
When I was 17 years old, I spent the summer before my final year of high school working in a cardboard box factory. The work was physically strenuous, receiving flattened cartons strapped in bundles of 5 or 10 which flew off the rollers at approximately 2-second intervals. In that time I was to stack them on […]
An emergency fund is essential to make sure you don’t get into debt when life happens (which it always does). It’s not surprising to hear that most people who struggle with debt, don’t have an emergency fund. Often, the difference between getting into further debt or taking an emergency in your stride is having money […]
Some of you may have logged on to your share trading accounts in the last week and had a slight panic. I know I did. We lost over $800 in one day from our fund, more than we’d deposited for the month. Now I know we shouldn’t panic about movements in the stock market. It […]
I look back at our time living in Spain for six months and they are some of the best memories of my life. But that’s not to say we loved every minute of life in Spain. Some parts of Spanish life did not sit well with us at all. That said we are working our […]
Do you suffer from financial insecurity? Do money worries keep you up at night? Today, Mark from BareBudgetGuy is sharing his thoughts on how to cope with money worries when you’re feeling financially insecure. Even though I’ve always been frugal, for the most part, I’ve been financially content. Somewhere along the way, though, my financial […]
Up until a few years ago, I was sure I’d be a renter for life. But when my babies were born I wanted to give them a solid home environment and not need to move whenever my landlord decided to make changes. With that in mind, we decided to buy an affordable starter house while […]
What would you do if you lost your job tomorrow? You’d be shocked, sure – but would it be the end of the world? For some people, the answer is a resounding YES! You’re thinking ‘how the heck am I going to pay the bills without my regular paycheck?’ Look, it’s pretty unlikely that you’ll […]