5 Personality Traits That Will Make You Broke

5 Personality Traits That Will Make You Broke

While I generally focus on the positive actions we can take to improve the odds of achieving Financial Freedom, it's can also be equally as important to identify and understand where each of our individual money weaknesses lie. While it's great to consistently build our money skills, it's only when we take a critical look [...]

Immediate Gratification Can Work For Your Financial Future

Immediate Gratification Can Work For Your Financial Future

In the pursuit of Financial Freedom, there is no doubt that the ability to delay gratification can give you an immense advantage when it comes to reducing your spending and lifestyle "needs". But learning to delay gratification takes both practice and self-discipline. Our bodies and brains are hard-wired to pursue the instant reward and resisting [...]

Insuring Your Financial Future

Insuring Your Financial Future

There's a happy balance between paranoia and recklessness. Similarly, there's a reasonable balance between being over or under-insured. In a market inundated with insurance for almost anything, all available in a vast array of formats, it can be difficult to know what products to choose and how much coverage you actually require. Whether it's insurance [...]

The Ideal Banking Framework

The Ideal Banking Framework

Knowing if and when to join finances with your partner can be difficult questions to answer. And because it is a difficult decision to make, people tend to default to the easiest option. Do nothing and maintain the status quo. But how we structure our banking can speak volumes about us as individuals, as well [...]

The Capsule Wardrobe Savings Effect

The Capsule Wardrobe Savings Effect

Last week we talked about how to cut your consumer spending by utilizing the used market to your advantage. We're going to continue the theme of decreasing spending by taking a hard look at an area in life where we can all cut back. The wardrobe. How many times have you stared at a closet [...]

Cut Your Consumer Spending by 50-90%

Cut Your Consumer Spending by 50-90%

In the pursuit of Financial Freedom, the biggest obstacle preventing meaningful progress is spending. Peoples spending habits are where the lofty goals of FF will inevitably succeed or stall. While increasing your income can be extremely impactful in accelerating your FF goals, it does absolutely no good if you simply turn around and spend that [...]

The Pet Mortgage

The Pet Mortgage

Buying a pet is like taking on another mortgage. They come with an upfront cost to actually obtain one, then they require an ongoing monthly payment (in the form of food and general care) AND, depending on the animal, those monthly payments will last anywhere from 10-20+ years. Not to metion those payments can also [...]

Be Your Own Strata (HOA)

Be Your Own Strata (HOA)

If you've ever lived in a property run by a strata corporation (or HOA, same thing) you know that they can be, well......annoying. Very very annoying. I have a hard time asking someone else permission to make trivial changes to my own property. I get the whole concept of wanting everything to look similar and [...]

Make Meal Planning a Breeze

Make Meal Planning a Breeze

Meal planning isn't as hard as it sounds. Honestly. In fact, it actually makes life easier; while at the same time saving you money and moving you ever closer to the goal of Financial Freedom. Imagine you've had a long day at work, you're rushing to get home and tackle everything that awaits you AND [...]

5 Ways to Cut Your Monthly Bills

5 Ways to Cut Your Monthly Bills

Cutting monthly expenses is one of the best ways to help you reach Financial Freedom. You reduce your monthly cost of living moving forward, thereby lowering the amount of money you will need to retire (sometimes substantially). AND instead of that money leaving your wallet each month, it's now increasing your monthly savings contributions, even [...]