Your Money Or Your Health

save money Apr 02, 2019

Sometimes you have to make a decision that is not black and white. Most people following this blog will be committed to some degree to Financial Independence. This requires saving a large amount of your income and possibly making some minor sacrifices (I don’t think you should deprive your life of all enjoyment now to achieve Financial Independence later – find out why here).

But, some decisions are not that simple. Sometimes you have to decide if you are going to prioritise your...

Continue Reading...

The 7 Stages Of Financial Freedom

make money save money Mar 19, 2019

When you set off on your journey to Financial Freedom, it can seem like a long way to travel.

Perhaps at the moment you are struggling to make ends meet or perhaps you are deep in debt. How do you go from there to Financial Freedom?

The leap often seems too big to contend with and so human nature is simply not to try. When we perceive things as too difficult or ‘impossible’ we often give up before we have gotten started to save ourselves from the potential failure.

As with all...

Continue Reading...

FIRE Doesn't Have To Be Frugal

make money save money Mar 12, 2019

I stumbled across an article the other day on Vice where someone new to the FIRE (Financial Independence, Retire Early) movement, was giving it a try as a new years resolution.

The journalist who had written the article had gone from zero to 50% savings rate pretty much overnight which I think is pretty impressive in anyone’s book and I have huge respect for him for giving it a try in the first place, let alone doing so to such extremes.

The problem with this ‘nuclear’...

Continue Reading...

5 Budgeting Mistakes Almost Everyone Makes

save money Feb 26, 2019

Creating a budget was one of the best things I ever did for my personal finances and ultimately, my Financial Freedom.

I made a ton of mistakes along the way with my personal finances and a lot of them were to do with budgeting and basic money management.

If I had learned about money management earlier in my life, I would probably be far further ahead in my own Financial Freedom journey than I am now.

There are a lot of budgeting mistakes that almost everyone makes at some point in their...

Continue Reading...

Anyone Can Retire In Their 40's

save money Feb 12, 2019

I saw an article on BBC news the other day that was provocatively titled “Could you retire in your 40’s”. Now with a title like that you simply have to click, but the report didn’t really live up to the hype.

For starters, despite the video being called could YOU retire in your 40’s it didn’t really do much to explain how someone new to the FIRE community (FIRE = Financial Independence, Retire Early) could get started on their own early retirement journey.

Continue Reading...

How To Buy A House Before You’re 25

save money Jan 29, 2019

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...

Continue Reading...

Burying Your Head In The Sand Is Costing You Your Freedom

save money Jan 22, 2019

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,...

Continue Reading...

Long Term Decisions vs Short Term Circumstances

save money Nov 28, 2018

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...

Continue Reading...

5 Ways To Save Money AND Improve Your Life

save money Oct 31, 2018

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?


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...

Continue Reading...

5 Reasons Why Envelope Budgeting Rocks

save money Oct 23, 2018

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.


Continue Reading...
1 2

Subscribe To Millennial Mutiny

Subscribe to receive great Financial Freedom tips in your inbox. We promise no spam ever. Read our privacy policy here.