Financially Independent, Retired Early(ish) at 57.

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Now is the time to build resilience.

“I’m sure no life can be properly developed and rounded out without some trial and sorrow – though I suppose it is only when we are pretty comfortable that we admit it.”― Lucy Maud Montgomery, Anne of the Island. This quote is taken from what would nowadays be called a ‘Young Adult’ novel written in 1915. I […]

What does Pandemic Spending look like?

Those of you who’ve been reading this blog for a while might remember my “No Spend Days” chart. It’s a little thing I do to keep track of where my money goes. Every day that I don’t spend anything, I colour a square on the chart. It really became very effective once I added the […]

Is it necessary to spend up big on a Staycation?

The last day of term 3! All of the essays are marked, all of the oral presentations are done and my classes are going to be finishing off the ‘Back To The Future’ movies today. Two glorious weeks of freedom await, (except for the two days I’m going in to open up the Theatre for […]

It’s so easy to entertain yourself without spending any money!

Now that I’ve made the move to go part-time next year, I don’t mind admitting that I’m torn between looking forward to it and feeling slight feelings of unease about the drop in income. It’s illogical – I know I’ll be ok with less money coming in. But after this weekend, I’m feeling much better. […]

Now I’m thinking about Opportunity Cost.

Of course, as soon as I wrote a post about possibly going part-time at work, I immediately started to think about the Opportunity Cost of the 20K/year I’d be missing out on if I dropped a day. There’s also the extra year or two I’d probably be adding to my work life. So what’s Opportunity […]

“We both spend money – just on different things.”

I was talking with a friend a couple of years ago. I’ve known her all my life and we chat nearly every week. Our kids have grown up together and it’s safe to say we’re close. Our lives have worked out very differently. She’s still on her first marriage of nearly 30 years, whereas I’ve […]

FI = Choice in how you spend your time.

We’re really extremely fortunate to live in the time and places that we do. Izzy’s leukaemia is very treatable. Twenty years ago it would have been a death sentence, said her specialist. She would have had to undergo bone-marrow transplants and chemo. But now? Assuming that her bone-marrow biopsy doesn’t have any nasty surprises, all […]

Putting infrastructure in place now for retirement #1.

The quest to make The Best House in Melbourne as schmicko as possible for when Old Lady Frogdancer pulls the pin on full-time work has reached another stage. Previously, I had the backyard paved with beautiful reclaimed bricks, all fully grouted in so that Old Lady Frogdancer won’t break a hip bending down to pull […]

How I choose to spend my grocery money to get more bang for my buck..

6 years ago in 2012, I wrote this post on my personal blog and I also posted it on the Simple Savings forum, where it has remained one of the forum favourites. Last night someone bumped it up again and I reread it. I thought that it was worth posting here on Frugal Friday, as […]

No one knows better than Maths Guy.

I don’t often go for end-of-week drinks, but this one was a bit special. An end-of-week drinks and sausage sizzle to celebrate the end of year 12 classes. Seeing as how I teach year 12 Theatre Studies, I moseyed on down to the local bowls club, grabbed a drink and a sausage in bread and […]

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