Note from Cath: I have a very special guest on the blog today – Serina from Ms Frugal Ears (you can learn the inspiration for her site name over on her blog).
Since starting this site I have discovered that the personal finance blogging community is a lovely bunch.
No one I have come across see each other as competition, just another person looking to share their knowledge and help other people to understand their finances better.
What is really cool is that Serina and I actually both started our savings and investing journey in the same place. We were a part of an online savings forum back in the day before Facebook Groups where all the rage.
So without further ado over to Ms Frugal Ears for today’s guest post.
My goal is to become a billionaire. My stepping stone goal is to pay off my mortgage. Then I want to grow my net worth to one million (who wants to be a millionaire? I do!), then to double that to have $2 million net worth by 2020.Continue Reading →
You might like to check out my Resources section that includes a number of spreadsheets to help you track your money and budget better.
A good place to start is with my Simple Monthly Budget spreadsheet. Or to take your budgeting to the next level, my Monthly Tracker spreadsheet will really help you to have a deeper understanding of where your money is spent.
Having a holiday and some relaxation time away from work does not have to cost a fortune. Having recently returned from our trip to Hawaii it inspired me to share some of my money saving travel tips.
It can really pay to have a bit of flexibility in terms of the dates that you travel. Even the time of day that you fly can have a significant difference in the price that you pay for flights.
You can often get some great deals in the shoulder or low season. I managed to score 40% off our accommodation in Hawaii by booking online during a Click Frenzy special.
Some other sites that I have used in the past are Groupon, as they often have package deals that are great value.
I also like to compare the cost of hotels at booking.com since they have a massive range featured on their site. And they have a best price guarantee and no cancellation fees so they have become my go to website to book through.Continue Reading →
I started saving money as soon as I left high school and had a part time job during my university years. It was around this time that I got interested in investing. A big part of my education in this area was to read a lot of books.
I have compiled the list of the 5 books that had the most influence on me in terms of creating the right mindset around money. As well as giving me a starting foundation for how to manage my money better.
The books are a little bit dated now, as I did most of my learning about money back in the early 2000’s. Most of them have been updated since then with newer editions, but even if you have an older version the lessons are still quite relevant today.
Since working in loyalty marketing, I have the annoying habit of signing up for every loyalty program there is available. Mainly for research just to keep on top of what everyone else was doing in the space.
One thing I have learned over the years is that us loyalty marketers love a good trigger campaign. And birthday are as good a trigger as any to prompt a special offer.
My husband celebrated his birthday last week. Nudging ever so close to the big 4-0. His inbox was overflowing with special offers.
So if your birthday is coming up soon, I have compiled a list of 30 birthday freebies in Australia to take advantage of.
What you get: Free smoothie
How you get it: You need to be a member of the Vibe Club, which is handy to be a part of any way as you can avoid the wait times when you order a juice by ordering in advance on the App.Continue Reading →