• 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…

  • Power of Forgiveness {Inner Beauty Series}

    At some point or numerous points in our lifetime we will come across a time when we will need to forgive others for wrongs that have been done against us. But many a time there will also be times when we will need to ask for forgiveness for wrongs we have done against others. Forgiveness is a pill that we all need to swallow at some point so we too can benefit from it later on. To me it’s a double edge sword, I think that if I hold a grudge against someone I am hurting them but little do I realise the only person that I am hurting is…

  • Overcoming Adversity

    Nobody is Exempt Yes we all go through it, there are always going to be trials and hardship that we come across in our lifetime. It’s the reality of being human. To be honest I have never come anybody EVER that has not come across the bitter pill of adversity whether it was a loss of a loved one, depression, loneliness, or financial burdens etc… But just because we all go through it to some degree or another it doesn’t mean we should sweep it under the rug and try not to understand why we go through them. A Continuous Transformation Process Adversity is part of a continuous cycle we…

  • Limiting Belief Systems

    We all have them.. that negative inner voice that says You aren’t smart enough You aren’t brave enough You aren’t pretty enough You aren’t social enough YOU ARE NOT ENOUGH LIMITING BELIEFS are also disguised as Excuses Negative Thoughts Justifications Worries Beliefs conditioned from culture or family Thought Patterns Perfectionistic Thinking Past failures Fear You are enough! And you can overcome these belief systems that hinder you from your true and ultimate potential. Look back in your life there are bound to be numerous examples when you decided that these belief systems were not going to rule your life. For me it was going to university and graduating from university.At…

  • Book Review – How to Win Friends and Influence People

    As part of my 5 Values this year one of them being edifying my mind I am endeavouring to read a book a month and so here is my Book Review for January! This book was awesome in terms of helping me recognize things that I needed to work on in terms of working with people and communicating and understanding people. There are so many things that I know I need to work on but here are the two main ideas that I know I really got from this book. The first idea is based on these two quotes. “Any fool can criticize, complain, and condemn—and most fools do. But…