Net Worth (up 3.47%) and Budget Update – April, 2017

Last month’s update can be found here. Every month we check our monthly budget and net worth. At the end of every month, we sit down for an hour or so and go through all of our income and expenses for the previous month. Here is a summary this month’s budget: Income: $8,306.70 (down 37.28% from the previous month) After a couple of months of […]

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ING – $100 Cash Bonus

We moved over to ING for most of our regular banking due, initially, to their 2% cashback offer which gave us 2% off on all purchases under $100 and using pay wave. We were getting between $20-$30/month back in cashback which was great. That awesome deal ended around September last year but after reviewing other bank accounts we decided to stay with ING. They offer […]

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Net Worth (up 6.23%) and Budget Update – March, 2017

Last month’s update can be found here. Well, this update is a bit late but better late than never. We actually do check our finances on time but then when it comes to posting, we get distracted and it gets put off till later and later and later. Every month we check our monthly budget and net worth. At the end of every month, we […]

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Vocus Group Ltd (VOC) Review & Purchase

Vocus Group Ltd (VOC) Review & Purchase

We’ve had a buy order on Vocus Group Ltd. (formerly Vocus Communications) for a few months now but the stock went up significantly earlier in the year before slowly receding back down to our purchase price. I like to put a limited buy order for a stock and wait until the price drops to that level. Sometimes it works quickly and other times it takes […]

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Net Worth (up 3.73%) and Budget Update – February, 2017

Net Worth (up 3.73%) and Budget Update – February, 2017

Last month’s update can be found here. Well, again it’s been a busy few weeks for us so this update is a bit late. I’m actually wondering whether a monthly update is worthwhile or a bi-monthly or quarterly update is sufficient. We will review this over the next few months. I think reviewing your personal finances on a monthly basis is important as it gives […]

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How to Declutter Your Inbox and To-Do Lists

How to Declutter Your Inbox and To-Do Lists

I don’t know if it’s just me, but I tend to make a lot of lists. At least I used to before I developed a system for organising and reducing the various lists and to-do items that I have. For some reason, I also like to have an empty email inbox. I like to move all the emails that I have actioned out to separate […]

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Net Worth (up 1.87%) and Budget Update – January, 2017

Last month’s update can be found here. Well, it’s been a busy few weeks for us so this update is a bit late. We did update our budget at the right time but the actual post slipped through to the keeper. It’s a rainy Saturday here on the Central Coast so it’s a perfect time to do some blogging. Every month we check our monthly […]

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Net Worth (up 3.37%) and Budget Update – December, 2016

Net Worth (up 3.37%) and Budget Update – December, 2016

Last month’s update can be found here. It’s that time again that we check our monthly budget and net worth. At the end of every month, we sit down for an hour or so and go through all of our income and expenses for the previous month. Here is a summary of our December budget: Income: $15,882.57 (down -25.7% from the previous month) Down from […]

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How To Earn Spare Cash From Your Spare Room

How To Earn Spare Cash From Your Spare Room

Yeah, it’s true we are now crazy busy from our full-time jobs and we hate getting up early to go to work every day. But in order to build up our investment portfolio, we need to earn as much as we can to achieve our goals to become financially free by the age of 40. Earn income, invest and hopefully soon enough we won’t have […]

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2017 Goals (incl. 2016 Goals Review)

2017 Goals (incl. 2016 Goals Review)

For the past couple of years, we have started setting goals for ourselves at the start of each year. This helps us to narrow down our priorities and focus on things that we believe are important. Without specific goals and a process of reviewing your progress, a week, month, year or longer can go by and leave you thinking “what have I achieved?” It’s not […]

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Stock Review – Harvey Norman Holdings (ASX:HVN)

Stock Review – Harvey Norman Holdings (ASX:HVN)

  We’ve recently signed up to Simply Wall St and have been utilising its software to review potential stock purchases. I’m really enjoying the interface and graphical representation of the data. We’ll be moving on to the free plan at first and then onto the paid subscription if the free plan is not enough for us. Below is my review of Harvey Norman (ASX:HVN) and its […]

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Net Worth and Budget Update – November, 2016

Net Worth and Budget Update – November, 2016

Last month’s update can be found here. It’s that time again that we check our monthly budget and net worth. At the end of every month, we sit down for an hour or so and go through all of our income and expenses for the previous month. This month we have decided to combine the budget and net worth posts for simplicity and will do […]

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Working for the Man vs Investing

Working for the Man vs Investing

Back to 2013, when I was still living in Laos, I was working full-time as a Communications Officer, from 8:30am to 5pm. After 5pm and as a secondary source of income, I would work as a freelance web/graphic designer and photographer. As a freelancer, I accepted every job that I could to earn as much as I could to cover my lifestyle, debts, and car […]

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I love junk mail!

I love junk mail!

I love junk mail! Why? Because we have chickens, make our own compost and also own a paper shredder. Put those together and you get the following: Free bedding for the chickens Awesome composting material for the compost bin Super absorbent bin liner material Recycling! The best part is that someone actually delivers this awesome resource to our house every day. We collect all of our […]

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Net Worth Update – October, 2016

Net Worth Update – October, 2016

We like to track our net worth to see how all of our assets and liabilities are moving along. We do this for two reasons; firstly, it gives us a good way of keeping on top of our various investments and secondly, it allows us to see whether we are progressing towards our goal of being financially free. We have been playing around with how […]

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Budget Update – October, 2016

Budget Update – October, 2016

Last month’s update can be found here. It’s that time again that we check our monthly budget. At the end of every month, we sit down for an hour or so and go through all of our income and expenses for the previous month. Here is a summary of our October budget: Income: $7,881.56 This included income from our regular jobs and nothing else. In […]

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Net Worth Update – September, 2016

Net Worth Update – September, 2016

We will be tracking our net worth to see how all of our assets and liabilities are moving along. We do this for two reasons; firstly, it gives us a good way of keeping on top of our various investments and secondly, it allows us to see whether we are progressing towards our goal of being financially free. September was the first month that we […]

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Budget Update – September, 2016

Budget Update – September, 2016

It’s that time again that we check our monthly budget. At the end of every month, we sit down for an hour or so and go through all of our income and expenses for the previous month. Here is a summary of our September budget: Income: $19,889.51 This included Toon’s first full month working full-time, Len’s payout for his accumulated annual leave when he quit […]

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