2018-05-21 10:51
One of the essential steps to becoming debt free and financially independent is living below your means. What does this mean? In essence, it is spending less than you earn. When you a… Read More
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Makincents Blog
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Personal Finance, Investment, Financial Independence, Money, Saving, Budgeting, Tax, Retirement.
2018-01-29 09:11
In a recent post, I looked at how to check your credit score for free. So now that you know your credit score here are some tips to improve your credit score? If you already have a good scor… Read More
2017-12-14 08:24
With less than two weeks until Christmas Day rolls around, you might feel like you’ve got a whole sled full of gifts to buy and a dwindling number of days left to buy them in. Fortunat… Read More
2017-12-10 00:48
I am always hearing about how important a credit score is in the United States and that it makes a huge difference on not only getting approved for a loan but also the interest rate you get… Read More
2017-11-20 10:28
When it comes to frugality and saving it is good to know the difference between wants and needs. There is money to be saved in both areas but it may be better to start concentrating on the w… Read More
2017-08-30 11:57
Today I am going to look at some tips to save money on caring for your lawn and garden. A few weeks ago I wrote a post about Saving Money In The Kitchen and thought I would continue the savi… Read More
2017-08-20 10:00
Money is one of the major causes for relationship problems and divorces. There is no right or wrong way for handling money in a relationship but there are some things you can do to make it a… Read More
2017-08-06 00:23
Food can get very expensive and take up a considerable chunk of your budget. Today I have decided to put together a list of some easy ways to save some money in the kitchen. Replace Soft Dri… Read More
2017-07-23 09:23
Today I have made a list of common money mistakes you should avoid. Looking back at my financial life I have made many mistakes over the years and I am sure I will make more in the future. T… Read More
2017-07-09 08:38
Dollar cost averaging is systematically investing money over time as opposed to investing it in one lump sum. Advice from professionals has more than often been that you should use dollar co… Read More
2017-07-02 12:08
It is end of financial year time again for some of us and this in many cases means a tax return. So your likely to get a lump sum of money? What are the smart ways to spend your tax ret… Read More
2017-06-24 10:47
Today I thought I would create a list of 21 habits of the rich and successful. Most of these habits I have come across in Books, Podcasts and Blogs and they keep coming up again an… Read More
2017-06-16 03:41
The secret for me has been simple budgeting success with automation. The key words being SIMPLE and AUTOMATION. In a previous post I discussed the cash envelope system for bud… Read More
2017-06-04 11:48
Cars, Motorbikes, boats and other motorised toys while great to own can cost a small fortune to repair and maintain. How can we reduce the cost of ownership of these little money pits? I hav… Read More
2017-05-28 04:00
Although I personally operate a digital version of the cash envelope budget system as I have talked about in my post Automatic Budget for the Lazy. The envelope budget system is still one of… Read More
2017-05-07 08:19
As a keen student of personal finance and related topics I consume ridiculous amounts of content from books, blogs, podcasts and the like. In recent times the term FIRE seems to be generatin… Read More
2017-04-30 10:20
Your net worth is arguably the best way to keep track of your financial progress. Once you know how to calculate your net worth you can use it to help make good financial decisions ever… Read More
2017-04-24 05:06
Today I am going to look at setting up a portfolio based on the bogleheads simple three fund investment portfolio. I like the idea of starting off with a simple portfolio and then build… Read More
2017-04-17 11:38
The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley, William D. Danko. One of the first and most eye opening finance books I read was… Read More
2017-04-09 03:53
With interest rates currently at record lows around the world I have a few tips to help you squeeze the most out of your savings accounts. What do you do with your emergency fund or sav… Read More
2017-04-02 06:06
When it comes to your asset allocation the first and most important decision to make is to determine your ultimate stock to bond ratio. Your asset allocation between stocks and bonds is prim… Read More
2017-03-26 03:36
Over 1.5 million households in Australia have a solar system installed. Solar systems have become increasingly cheaper but so have the feed-in-tariffs (what you get paid for the excess power… Read More
2017-03-19 10:52
Cars are one of our largest expenses and one that most of us can not do without. One of the associated costs of owing a vehicle is insurance. Today I am going to give you 10 t… Read More
2017-03-13 04:10
Today I will be looking at the importance of asset allocation to your portfolio and why it is an important part of any investment strategy. What is asset allocation? Asset allocation is… Read More
2017-03-05 10:01
My philosophy for investing is to keep things as simple as possible. This is why it is a must for me to discuss Index Funds the foundation of your investment portfolio. When it comes to inve… Read More
2017-02-26 09:10
I am always on the lookout for simpler ways to do things. When it comes to budgeting SIMPLE is on the top of my list. The 50/20/30 simple budget rule has been around for a while so I have de… Read More
2017-02-19 22:03
When it comes to your investments performance the devastating effect of investment fees are something you should not overlook. I have heard numerous times from other blogs, books and podcast… Read More
2017-02-12 00:36
Working out roughly how much money you will need in retirement does not need to be a daunting task. With these simple retirement rules of thumb you can perform a super quick calculation… Read More
2017-02-05 06:17
Here is some simple steps to help you save money easily by unsubscribing. Im not suggesting you will save money by unsubscribing from my blog, rather the opposite in fact. It seems lik… Read More
2017-01-30 09:48
This is a brief introduction to help you get started investing in the stock market. I am only brushing the surface when it comes to investing but hope to give you a general idea of what… Read More
2017-01-24 09:51
Cars are expensive to run and one of the biggest ongoing costs is petrol. Petrol prices are likely going to continue to rise. I have composed a list of 7 ways to improve your cars… Read More
2017-01-20 22:40
Getting out of debt is something we all want to happen sooner rather than later. Debt reduction should be one of the first steps we take on the road to financial freedom. I am going to look… Read More
2017-01-14 06:57
Today I am going to tackle the question of emergency funds why you must have one. It is recommended as one of the first steps you should take towards financial freedom. An emergency fund is… Read More
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