Frugality and the environment

I am frugal.  My purpose in blogging is to share my own financial journey and to encourage others. I don’t consciously identify as being part of the green movement.  But being frugal can also be good for the environment.

A picture of weeds

Marshmallows in my garden – as in edible weeds rather than the sweet sugary treat

Continue reading

Money Monday: ten things I am doing to pay off my mortgage by Christmas

In January I announced that I would pay off my mortgage by Christmas 2016. Last week I caught up with two girlfriends for a frugal lunch.  “How is your goal of paying off your mortgage going, ” one of my friends asked me.  “I’m on track,” I told her.  There was some disbelief and she wanted to know how I was doing it.  So here is what I told her.

Ms Frugal Ears standing in the door of a house

All mine – standing in front of my front door on a cool winter Canberra day, visualising being mortgage free

 

Continue reading

Money Monday: Suddenly single, suddenly saving

Sometimes the best laid financial and life plans don’t, well, go to plan.  I found myself nearly two years ago suddenly single raising two kids.  Nor am I alone.  I had a coffee/chai chat with one of my good friends who had just made it through her first year post separation to find out how it had changed her financial situation – and perspective.  What she had to say really resonated with me, so with her permission I am sharing.

Almond milk chai latte from the ANU Food Co-op Cafe

Almond milk chai latte from the ANU Food Co-op Cafe

Continue reading

When Ms Frugal Ears met Mr Red Sports Car

I have frugal ears.  I have frugal ways. I make meals that cost $5 or less. I make my own laundry products.  I wear op shop clothes. And now I am dating again – to someone who likes to live life in the fast lane.

A red BMW sports car

Continue reading

Money Monday: Is super still so super?

Superannuation has been in the news following the announcement of possible changes in the May 2016 Federal Budget.  I have read a bit about the changes, but I must say it makes my eyes glaze over and I find it difficult to read most reports to the end (and I actually LIKE reading about financial topics).  So I was happy to have the opportunity to clarify some of the changes with MLC financial planner Michael Miller.

Graphic with money bags provided by MLC

Continue reading

My visit to an MLC Financial Planner

You would think that with being frugal and having an ambitious goal of not only paying off my home mortgage by the end of 2016 but also wanting to become a billionaire that I would be working with a financial planner.  Actually, until recently, I have had an irrational distrust of financial planners.

MLC Financial Planning

Continue reading

Money Monday: A bolt of lightning and blessings

I have been a bit quiet on my blog recently.  And not because I haven’t wanted to write. I had a lightning strike on my house.  Then the modem went dead. It is times like these that a safe financial plan makes sense.  And friends.

 

A tree split by lightning

The tree across the road – lightning hit it, my neighbour’s house and my house.

Continue reading