• Weird Ways we Save Money

    Don’t have TV We share food at restaurants don’t buy drinks We cut our own hair occasionally dye my own We don’t buy lunch – prepare homemade lunch Pick up free things off the side of the street Buying nearly expired food (sometimes expired) – Yeah you might this is so gross but it’s not!! So much food is wasted because food is “expired” when they are totally still fine to eat! I love to go to the discounted items in the grocery store and stock up on things that are nearly bad or expired they are perfect to freeze or eat that same day! Don’t watch latest movies or get the latest…

  • Week 1 & 2 Phuket Thailand

    Disclosure: THIS POST MAY CONTAIN AFFILIATE LINKS.  After the longest flights of our life, we finally arrived in Phuket on Thursday 3rd around 4 pm in the afternoon. (gratitude in the line) We caught a taxi from the airport to our 1 bedroom hostel/hotel and didn’t bother finding anything cheaper because we just wanted to get to the hotel ASAP! We choose this specific hotel because we wanted something to just get our bearings to be close to the airport and also something close to a beach. We arrived and checked in to our bedroom which wasn’t anything fancy by any means but it was sufficient for our needs. We booked…

  • Family Travel on a $1000 a Month

    For the next 6 months, we will be travelling around Asia with our family beginning in Phuket Thailand. Our family consists of a 3year old and an 18month old and a mum and dad. Growing up I always heard that we needed to do everything while we are single, that once we are married we are tied down and have to settle. But to me having children has been the biggest reasons why I want to travel. I want them to experience and learn other cultures, religions, foods and traditions. I believe that we all have lots to learn from one another. HOW are you doing this? No, we are not rich or…

  • Why Polynesians are always “BROKE”….

    Yes, this is a generalization but let’s just take a moment to reflect. Growing up I always wondered why it felt like we never had any of the nice toys and why we got second-hand things or just went without…  As a kid wealth was seen in the physical things. We (Polynesians) have a difficult time saying no in our culture. When people want our money, time or things we give it. We don’t want to disappoint, hurt or even be thought of as stingy. We are overly generous. You ask us for a coat we give you our pants and shoes as well. You want us to shout a…

  • 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…

  • Budgeting for Family Vacations

    (photography by Conner and Tracy at the Grand Turks Island 2016) We love going on family trips therefore we always need to factor in family vacations into our budget. We love going from the simple overnight camping trips, to staying at a bed and breakfast to going half-way across the world to visit my family in New Zealand. My husband and I live a pretty simple life with one car, one phone and occasionally go out for a pizza or thai food once a week. We also live on a pretty tight budget since he is the only provider right now therefore we may have to scrimp at times but…