Honestly we’re nobody special, just a small family of two that is working towards being debt-free and financially independent. For us coupons are a big part of our strategy in terms of keeping our monthly expenses low, as well as saving on larger one-off purchases. Anytime I buy something online I always look for a coupon first. It takes at most a minute of your time and it can save hundreds of dollars, probably thousands over the course of a lifetime!
I don’t want to give you the impression that we’re just frugal misers who spend hours on trying to save a few cents, we try to save in consistent and easy ways so that we have more money to spend on the things that are important to us. For us that’s travel, good food, and definitely good wine! What’s ideal for us financially may not work for you, maybe your goals are to spend the next 5 years doing hardcore savings and investing and then retiring to live off your investments. It just depends on your goals and what brings you joy in life. I suggest reading ‘I Will Teach You To Be Rich’ by Ramit Sethi, it has a very good summary of how to design what a ‘rich life’ is for you. I also like the Afford Anything podcast with host Paula Pant, she’s a real estate investor and avid traveller who started small and built her company on her own. Again, she makes very conscious choices on where she wants to save and where she wants to spend to live the life that makes her the happiest. Very inspiring!
With our debt-free journey (almost there!) some people have asked us why we don’t just cut up our credit cards and follow Dave Ramsey’s Baby Steps program religiously. Well, because I wouldn’t enjoy it or stick to it to be honest. Now don’t get me wrong, Dave Ramsey has some great advice and I’ve definitely learned things from him. Will his program work for you? Maybe! Take a look, try it out, and decide for yourself. I suppose I’m a bit of a stubborn person, I always need to find my own way and don’t like being told what to do. I tend to combine elements from several different programs into something that works for me. I try to consume as much information as I can on how to become debt-free, save and invest, and build the kind of wealth you actually want. I’ll give you a hint: it’s not just or always money! There are so many amazing books, podcasts, and YouTube channels out there I can’t possibly cover them all, but if you need some direction send me a quick message via our contact form with your personal goals and I will try to point you to some that I think will help.