job-free at 37

Category: Budgeting

The Marginal Benefits of Increased Income

I’ve written quite a few posts about frugality in the short time I’ve been blogging here. But when it comes to saving, there’s a lot to be said for increasing your income. Whether that’s through a promotion, changing job, or just renting a room out on Airbnb, a bit of extra cash coming in can have a disproportionate effect on your savings.

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How Much Should A Wedding Cost?

I should begin by saying this post is not going to be prescriptive like the title suggests. If after reading this you are satisfied that it’s the right thing for you to have the luxury wedding you’ve always dreamed of, then go you! But I do hope to give some food for thought.

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Do rewards credit cards work in New Zealand?

I’m turning 31 this year. I’ve made it this far in my life without a credit card. I’ve always viewed them as evil. My accounting teacher in high school told us having a credit card is fine as long as you pay it off in full at the end of every month, but I didn’t understand why you would do that instead of just using your EFTPOS card (for overseas readers, this is how us kiwis ditched cash long before debit cards became a big thing).

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How We Budget – Part II

I previously discussed how we budget. I was going to include as part of that a description of what kinds of expenses we include in different categories, but that part of the post ended up being so long it made more sense to put it into a separate post. So below is that information. I highly recommend reading Part I for context.

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How We Budget – Part I

First up, just a bit of a notice. I’ve been trying to write a fortnightly post plus a monthly net worth update. So far I’ve been succeeding! I’m going to attempt to up this to weekly seeing as I seem to be able to stay disciplined, but let’s call it a trial and see how it goes 🙂

There’s plenty of opinions out there regarding budgets and whether they should be called budgets and whether you need a budget. Some people probably don’t. They’re just good at not spending. I’m not one of those people. I thought I was, but then I started tracking how much I was spending and realised I was spending hundreds of dollars every month on all sorts of crap. So unless you know that you know that you know that you are one of the most frugal people on this earth, it probably wouldn’t hurt to review your spending and consider whether you might need a budget.

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