Breakdown of Annual Expenses and Financial Independence
I spent AUD$69,967 in 2025. Split into necessary, discretionary, and occupational, it shows my FIRE numbers are already within reach.
intentional spending
How Much to Tip When You Travel in South America?
From generous drivers to demanding luggage handlers, tipping in South America isn’t always straightforward.
Does My Stuff Own Me or Do I Own It?
Does my stuff own me, or do I own it? Some thoughts from packing a 40L bag for four months away.
Opportunity Cost: My $159,900 Car?
Twelve years ago I paid $23,800 for a new car. If I’d invested it instead, I’d have $159,900.
The Twelve Days of Semi-Retirement?
Twelve days of work, eighteen days of freedom, this is what semi-retirement looks like for me. A rhythm of earning, living and being.
Are Meal Kits Worth the Cost?
Is HelloFresh worth it? Here’s our real cost breakdown, and the discount hacks that made it cheaper.
How Much Is Enough?
Redefine what enough really means. Financial independence is more than numbers: it’s freedom to live with health, time and fulfilment.
How Much Does a Frugal Wedding Really Cost?
How we planned a meaningful wedding on a budget: creative, personal and frugal without sacrificing style.
Alpine Adventure: Embracing Nature and Playfulness
Experience the thrill of alpine hiking through breathtaking landscapes, playful moments and quiet reflection.
Travel Experiences and Memory Dividends
Travel experiences pay memory dividends. Returns of joy, growth and adventure, invested in moments that make life feel truly rich.