Meal Planning

Recipes On A Shoestring Budget- Spinach And Ricotta Cannelloni

May 11, 2019 by Michelle McDonald

Ingredients 250g frozen spinach- $2.69 300g tub ricotta cheese- $3.39 1x brown onion- $0.60 1 clove/1tsp garlic 1 tsp chilli…

December 7, 2018 by Michelle McDonald

At the start of my journey of financial independence, I realised that I spent most of my excess money on…

The Hidden Secrets To FI

Financial independence (FI) is a journey with an intentional start and a clearly defined destination. The first step to transition from where you are and become smarter with your money, is to take responsibility for all your financial mistakes. I Have been there, and you are not alone. Until I stopped blaming my family, friends, past relationships and the system for not teaching me, I didn’t achieve any significant milestones in my journey. I had to own and accept my bad spending habits, hustle and learn for myself and everyday resolve to do better. Then I started setting and tracking my savings and debt repayment, expenses and setting GOALS. So far, in my FI journey, I have realised that lack of planning, budgeting, expense tracking and not being intentional were killing my financial dreams. Kick start your FI journey by reading fellow women stories here at Smart Girl Money Tips, stay connected by signing up for our newsletter and follow us on social media. If you can learn from my mistakes and do what I failed to do early in life, you are a step closer to financial independence. A hard learnt lesson for me was that my cash-consuming comfort was killing financial ambition and it has been difficult to break out of those comfort spending habits. ARE YOU READY TO BE MONEY SMART?
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