• You living the American Dream or Nightmare

      Graduate from University and Land a “dream” job with the opportunity to pay off our ridiculous school debt Buy a new car with minimum monthly payments that gets us into more debt Get married and get into some more debt for the expensive ring and a wedding we didn’t know half the people Work longer hours to get a promotion to pay for ALL THE DEBT we have accumulated. Work is looking dismal because I’m constantly stressed and to tired to be with my spouse in the evening We buy a house that we can barely afford chaining me to a high stress job and now with lots more…

  • Calculate your Freedom Number

    I always looked at Financial Independence something I could never attain. That it was only for wealthy rich people! That was until I came across Mr Money Mustash and more people like him I began to realize I could retire early as well! There are a few ways to calculate your Freedom Number! But today I just wanted to share a simple way I do this. 1. Get all your Bank Accounts, Payslips, Credit Card Statements all open up ready to go! 2. Calculate entire Monthly Expenses: This is a crucial and most important and also the longest part of this exercise. From this you will determine how much you…

  • How I paid $0 for my New Wedding Dress

    I can go on and on about how crazy our society is about spending ridiculous amounts on weddings! Take me back to the old days where we just went to the church and got married and came and had a family lunch!!! Obviously my philosophy on weddings are very different from most. I believe the wedding day is not worth being broke for and real love and work begins after the wedding day. I also believe that you can make great memories without breaking the bank!! But this post isn’t about that, I will save that rant for another day! Today I want to help you frugal brides save some…

  • 4 Years of “Free” Housing

    Something that I talk regularly and openly about is how my family live for pretty much “free.” In the Financial Independence realm they like to coin phrase this term #househack. We managed to househack for the entire marriage without even knowing about #househacking. I credit all of this free housing to divine intervention and luck. (definition: preparation and opportunity intersect) If you haven’t really heard of househacking take a look at some of these fun articles from the experts at BiggerPockets and also Coach Carson who is a househacking and real estate guru. So the first one isn’t technically a true definition of househacking but I’m going to count it because,…

  • Turning your Home into a Investment

    There is a constant debate in the finance realm about whether your home is a investment or not. We can argue each side until the cocks crow.  Here are some articles if you interested in this debate…Why your house is a bad investment  and the opposing side…Why buying a home is smart.  So you make the decision for yourself. In this article I want to explore some of the ways you can make your home a better investment if you do end up wanting to still buy a home. Buy a home that is bigger than your need or has multiple dwellings. This was one of my favorite things about…

  • New Announcement

    Lots of changes are happening and exciting things are on its way! We are so excited to share with you all in due time. As you can see we are rebranding this website and new domain name will be up shortly. So please bear with us as we figure out this new direction we are taking with our blog and our family!! xo MM and DD

  • Tracy Money Story

    HER STORY: Growing up, mum and dad both worked full time in the evenings dad would go to school. They worked their butts off like crazy which meant the only time we were all together was Sunday. I know they made so many sacrifices so they could give us the opportunities they never had. We played tennis, netball, rugby and cricket. We had piano, guitar, violin, cello lessons. (Obviously not all at the same time) But the downside to this was we didn’t get the TIME with our parents and family that we wanted and needed as children and teenages. My Parent’s were one of the few in their family…

  • Episode 03: What does a Conscious Family mean?

    You may be wondering why I have named my podcast the conscious family. So lets break it down a little bit. Conscious means having some kind of awareness. Many of us go through parenting pretty much on autopilot, unaware. We are doing the things that are parents pretty much did unless it was the few things we swore never to do that they did. Hence we may find ourselves many times saying WOW I sound like my mother!!! or Yikes I’m turning into my Mother! Becoming a Conscious, Intentional, Mindful Family. Requires effort. Denay Barahona goes over 3 characteristics of being intentional which I loved and went over in my podcast.…

  • Birthday Celebrations with the Elderly

    This year I decided to make her birthday party a more service oriented birthday because she only cares about having a cake and blowing out the candle at this age.  I got this idea from a post I saw on Facebook  about a kindergarten which went to a rest home (care center) once a month to visit the elderly and how it made them sooo happy. We also recently had a friend who had passed away who was at this care center so we decided to pay them a little visit. I also believe that having  the elderly in my children’s lives can teach them many things from compassion, service to…

  • 4 Simple Family Valentines Traditions

    Hey  just so you know in advance you won’t be seeing me posting any pictures of a beautiful bouquet of flowers, a new pair of shoes, or an expensive dinner this year because we are going minimalist this year.  (I don’t know why but I seem to enjoy them more when they are on sale lol.   But if anything it just means we get more quality and meaningful time to spend on each other without any filters!!!!Anyways here are ways we are going to show love to each other in our home this year. Valentines Breakfast with the Little Ones. (Breakfasts are so much easier than dinner together its…