All posts tagged: budgeting

The Unnecessary Purchases I Made in 2021

Some financial goals I set myself for 2021, I didn’t manage to reach by the end of December. But I’ll reach them by the end of January 2022; I’m a month late. Yes, that makes me, in some respects, upset with myself. However, at the same time, this is the first time in my life I had financial goals set that were reachable. All financial …

Why Were Our Grandparents So Good at Saving Money?

After my granny’s death, my mum and her sister took it upon themselves to clear out her closet. To their biggest bewilderment, they found unopened packs of tights and a few never worn long johns that belonged to my grandfather, who passed away long before my granny did. Both items were from the ’80s; my granny never threw out anything.  When I think about her, …

Decreasing the Amount of Money, You Need to Be Happy

I believe that one of the biggest offenders on the journey to FI is an inflated lifestyle, which doesn’t give long-term happiness, adding instead to the number of financial obligations we have. Decreasing the amount of money we need to be happy, is a long-term lifestyle choice, not a quick fix that can make people feel better for an hour or two. In my 20’s I …

Why Budgeting Matters?

For a very long time, I didn’t really understand how budgeting worked. I only used budgets to limit myself, instead of realistically looking at my needs and what amount/percentage of my income I allocated to meeting those needs. Without knowing my actual spendings, it was pretty impossible to know what percentage I could save or invest. I was stupidly unaware of where my money was …