This Girl is on Fire Part 2

Since discovering the F.I.R.E. (Financial-Independence-Retire-Early) movement, I’ve been motivated to see how I can earn more money, spend less of it and invest the gap. This has been a fun challenge for me and I’ve enjoyed being a joyful frugalista and am inspired by the community in particular THE Joyful Frugalista, Mr Money Mustache, Vicki Robin, Paula Pant and Our Rich journey. 

“The quickest way to give yourself a pay raise …is to spend less money.”-The Minimalists

Pennywise: One tip for frugality has been to try going without something for a month and if you really miss it, you can add it back in with a new appreciation for the value it brings you. I’ve had one SNS colour after another (50 shades of red) put on ($40) and then off again ($10) at the nail salon monthly. I decided to get off the merry-go-round for a month and got it taken off. Shock horror-my poor nails were weak and cracked underneath the shiny exterior and I’ve decided to give them time to regenerate while saving the Fiddy Bucks. I feel virtuous going without café coffee ($5) most days and now this is a more occasional treat, I appreciate and savour it more. I’ve joined Raiz where the round-ups from purchases get invested. It’s fun!

I’m watching YouTube videos more instead of Netflix ($10) and Stan ($10) and this is furthering my financial knowledge too. The 72 hour wait rule (before purchasing) has been enlightening and I realise buying stuff is often an impulsive attempt to feel better like eating junk food is or drinking was for me. And guess what…the stuff doesn’t make you feel better for long. Pausing before I spend and looking at where my money’s going has helped me save money and pay more off my home loan-land baron.

“Truth is ever to be found in simplicity, and not in the multiplicity and confusion of things.” —Isaac Newton

Streamline: I’ve also become more conscious about the mental and environmental impact of excess as well as the financial. I’m now only washing clothes and dishes when the machines are full instead of on-the-daily. I’m looking at 2^nd hand and practical presents with recycled wrapping for Christmas. I’ve gone from 5 ING (online banking) accounts to 1. I feel more clear-headed with less.

Money never sleeps: I’m furthering my financial literacy with books, blogs, vlogs and podcasts. I’ve set savings goals to pay off more of my home loan and build an emergency fund. I get a kick out of every little bit I can put into these and have began to challenge myself to ‘no buy’ weekends and weeks and am building to months! Next step-becoming (an ethical) Wolf of Wall Street by increasing investments and my knowledge there of.

Love and light and this girl is on firrreeeee xxx Yvette

THE Joyful Frugalista: https://www.joyfulfrugalista.com/about/

My name is Serina Bird and I am a proud frugalista. A frugalista, if you are wondering, is someone who always looks fashionable even on a budget. I extend this not just to my wardrobe, but what I eat, cook and how I live as well.  And a frugal lifestyle enables me to live well while saving and investing, and ultimately becoming more prosperous. 

Mr Money Mustache: https://www.mrmoneymustache.com/about/

And indeed, the whole country seemed to be displaying the same odd behavior: living ridiculously expensive lifestyles while thinking they were completely normal, and then being baffled when they had no money left over to buy their own freedom. All while being so busy that they didn’t even have time to understand the science behind why this behavior is trashing the very home that makes our lives even possible.

So I decided to start this blog to share some of the secrets of how all this can be done. How you can create a life that is better than your current one, that just happens to cost 50-75% less. It has been a long and winding road, but I’ll keep learning and writing as long as you keep reading!

Vicki Robin: https://vickirobin.com/about/

“I buy my freedom with my frugality every day. The less I spend, the further my money goes and the more adventures I can have”.  In “Your Money or Your Life”, Vicki Robin shows readers how to gain control of their money and finally begin to make a life, rather than just make a living.

Paula Pant:https://affordanything.com/about/

Afford Anything is a movement rooted in one idea: You can afford anything, but not everything — and that’s true not only for your money, but also your time, focus, energy and attention.

This opens two questions:

1. How can we make smarter decisions about our money, time and life?
2. How can we align our daily behaviors and habits with the lifestyle we
   value most?

Afford Anything explores the answers to these two critical questions.

Our Rich journey: https://www.ourrichjourney.com/

If you’ve been following our story, you know that our family of four reached FIRE (financial independence retire early) in August 2019.  That’s right – at the age of 39, we retired and moved to Lisbon, Portugal! When we started pursuing FIRE, the movement was relatively small and not many people knew about it. But, now you know about it . . . and your family knows about it . . . and your friends know about it (you are sharing the FIRE movement with your family and friends, aren’t you?).  Through this website, we’re hoping more people learn about FIRE! We created this website to share ways to make money, save money, and invest money – to inspire you to pursue financial independence.  

Raiz: Invest spare change automatically from everyday purchases into a diversified portfolio. https://raizinvest.com.au/

What Is A No Spend Challenge? https://debtfreeforties.com/budgeting-tips/10-simple-rules-no-spend-challenge/

A no spend challenge is choosing a period of time, say a weekend, week or even a month, to not spend any money. Some people choose to have allowances, like groceries and gas.

The purpose of the no spend challenge is to help you reset after a holiday, vacation, or to get back on track from an emergency or spending slip up. It can also be a great way to kickstart your savings or debt repayment on things like student loans with the chunk of money you save from the challenge.

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