Personal finance

10 things you can do in the first year of working towards financial independence

Financial independence is a long-term commitment that takes time to achieve. When I first started my own financial journey, it felt like a long way off and it is easy to get discouraged in those early stages. But there are a few things that you can get ticked off early on. If you have resolved… Continue reading 10 things you can do in the first year of working towards financial independence

Personal finance

2021 – End of year financial wrap-up

2021 has been my year to focus on my health and wellbeing (see my review post on that), but I've also been keeping my personal finances ticking along which were my primary focus in 2020 (see my 2020 review post here). This is my review of my personal finances for 2021. Budgeting Once again, I… Continue reading 2021 – End of year financial wrap-up

Personal finance

Should I pay off my mortgage, or invest for financial freedom?

I've been working towards financial freedom for a couple of years now, and I'm still wrestling with this question. Do I focus on paying down my mortgage and reducing interest? Or do I focus on building up an investment and seeing market gains and dividends? I've been doing a bit of both as I see-saw… Continue reading Should I pay off my mortgage, or invest for financial freedom?

Personal finance

A financial decision based on emotion

Sounds like a bad idea? We are taught that financial decisions are made on numbers. Do the math, calculate the options then select the best one. Well, I just did the opposite. I paid off my student loan even though it's not the debt with the biggest interest (that's my mortgage) and I could probably… Continue reading A financial decision based on emotion