Money does not, in itself create happiness – I think most of us are pretty comfortable with that concept by now. If not, perhaps this site is not for you.

What does make me happy though is my lifestyle. I love being able to travel when I want to (2 year old permitting!). I love being able to eat out at great restaurants a few times a week. I love being able to sleep at night knowing my finances are in good order. 

Most people don’t really have a clear vision for what they...

Ok, so we all know that millennials can never buy a house right? The news says so. The news tells us that millennials are avocado eating layabouts with so much student debt that they don’t know which way is up any more. How could they ever afford a house?

This is all baloney of course, but I have been there.

When I first moved out and rented a place, I got caught in the trap of thinking that I could never have a home of my own. I assumed that prices would always just be unaffordable and...

Ok, so the title of today’s post is a little extreme, but the inspiration comes from something that someone said to me the other day at an event when I told them I help people to become Financially Independent.

As I was explaining that making a budget (looking at what you have been spending in the past, AND what you should be spending in the future) was the first step for most people, he interrupted me and said “but I don’t have enough money to justify having a budget,...

Welcome to my second blog income and traffic report. A few people have asked me why I would want to publish details of my blog income and traffic online. Won’t you be embarrassed? Do you really want the world knowing your business? You get the idea.

Having followed some of the best bloggers online, I think there is a huge opportunity for millennials to use blogs and online businesses to rapidly increase their income and get them on the road to Financial Independence. When you look at...

Today I am going to talk about what I think is one of the biggest financial mistakes you can make. That is making long term decisions based on short term circumstances.

What I mean by this is people making (or breaking) really long term financial commitments because of their current situation. Right now. In the moment.

A great example of this is when people are thinking of taking on a large debt, like a mortgage on a new home or a car finance package.

These are long term commitments and they...

In some circles (perhaps especially among younger people), being an employee has a stigma attached. When asked to think of ‘an employee’, many people will conjure up images of people working soulless jobs in little cubicles under artificial lights.

They might think of working long hours for a boss that you hate. They could think of sacrificing all of the fun in life just to run on the corporate hamster wheel. They could think of (heaven forbid) living to work.

Indeed, there are...

Welcome to my first blog income and traffic report. A few people have asked me why I would want to publish details of my blog income and traffic online. Won’t you be embarrassed? Do you really want the world knowing your business? You get the idea.

Having followed some of the best bloggers online, I think there is a huge opportunity for millennials to use blogs and online businesses to rapidly increase their income and get them on the road to Financial Independence.

When you look at the...

When it comes to saving money, most people assume that there has to be some sacrifice. Money saved means money not spent, which in turn means less stuff, less fun and less pleasure, Right?

Wrong!

While sometimes saving money can mean making sacrifices (but if you want to achieve Financial Independence, then these are sacrifices that are often worth making) there are a load of ways that you can save money AND improve your life all at the same time.

That sounds like a win-win to me!

First up on...

In some circles (perhaps especially among millennials), being an employee has a stigma attached. When asked to think of ‘an employee’, many people will conjure up images of people working soulless jobs in little cubicles under artificial lights.

Indeed, there are many employees doing those types of jobs right now. If that is you, my only advice would be to get out as fast as you can!

Life is far too short for you to do work you hate for people you don’t like.

But employment...

I love envelope budgeting. I think it is by far the best budgeting system out there and there are so many reasons why.

For anyone who is scratching their head, envelope budgeting is a budgeting system that uses multiple different ‘envelopes’ to track spending in different categories.

Envelope budgeting was created in the times of cold hard cash and snail mail.

At the end of the month, you would receive your wages, usually in cash, in a little brown envelope from your boss.

People...