mcbmh about

Kia ora. I’m Emma. A Kiwi mum, former Aussie expat with an Irish husband and two nutso kids. But that’s enough about me.

What about you?

I want to help you overcome your financial woes and build the life you love.

This blog takes a three-pronged approach to making your dreams come true.

Firstly, we need to be free of all bad debt and have our spending in check. We do that by cutting costs on the things we don’t value and nailing each and every credit card balance, hire purchase and personal loan.

Secondly, we save. We find extra money to save and we go HARD building a stash.

Thirdly, we build income streams that work for us no matter where we are in the world. Blogging, online business, real estate investment, shares, and all the rest.

If you think it can’t be done, you’re wrong.

I used to work in a cardboard box factory (it was actually a pretty great job) and now I make between 5 and 8k a month from my online businesses. I can work from anywhere, at hours that suit me.

I used to spend every cent I earned (and more) on partying and designer handbags. Now, I’ve paid off my very cheap (and very small) house and my husband can afford to retire.

I have 2 kids, and they have travelled all over the world.

I am not special. I’m pretty smart, I work bloody hard and I’m determined to succeed.

If this is something you are interested in – keep reading.

Saving Money

Get Out of Debt

Making Money Online

Growing Your Wealth

Travel and expat dreams

About Me

I’m so glad you came. I’m Emma (that’s me in the pic at the top. Graciously holding my $100 wedding dress so I don’t flash the wedding photographer).

I paid off a chunk of debt, downsized my house and am aggressively planning for a future of jumping joyously on beaches around the world. I’d love to help you do the same.

I’ve been dreaming of financial freedom since I purchased my first investment property at the age of 24. I then turned my attention to clearing my consumer debt and managed to eliminate over $30,000 of debt.

Now 35, a mother and wife, I’m finally getting serious about my financial future – specifically building income streams that can sustain a travelling lifestyle.

It might sound like an entitled, middle-class dream but the reality is I have no choice in the matter. You see I married an Irishman and Ireland is a long way from New Zealand.

The longest way, in fact. Go any further and you are on your way back. With parents on opposite sides of the globe and an adventure-hungry toddler to satisfy, we simply have to travel.

There’s just one problem.

We’re not wealthy. Not even close. To sustain our travel addiction to this point has meant a constant cycle of save up money – quit work – travel – repeat.

It’s exhausting, career-damaging (I now have seven bouts of long-term travel to account for in job interviews) and unsustainable.

The big lofty goal

To chase the summer around the world. Spending the best months of the year with our families in both the Northern and Southern Hemisphere and filling the rest of the time with travel to all the places in between. Eventually moving to Spain.

To do this we need to create an income of $42,000 per year that doesn’t rely on us being in one place.


Extreme frugality, some bloody hard work and a little magic. I’ll be blogging about it all. I’d love for you to join me.



Hi, I'm Emma. I set about gaining financial freedom back in 2012 when my son was born. I've been hustling to pay down debt, save money and build online and passive income streams ever since. You can find out more here.

Leave a comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.