for food and household daily products can be quite the expensive task if you
don’t track how much you’re actually spending each week. The more you go to the
supermarket during the week, the higher the risk of spending your hard earned
money on items that aren’t a necessity. Some of the easiest and most efficient
ways that I have saved hundreds if not thousands of dollars on grocery shopping
don’t require a lot of time and effort.
1 or 2 days before I am due to go and do my weekly shop, which is usually on a
Sunday, I will make up a list of items that I need to buy that will last me the
week. This includes anything that you will be buying from your supermarket.
This includes food, toiletries and detergents ECT. Once I list all the items
that I need to buy, I always do a quick walk through the pantry, fridge/freezer,
toiletries draw and anywhere else I keep items and make sure that I do not
already still have some of these products. By doing this, I am not constantly
doubling up on things and increasing the odds of throwing food out and
therefore basically burning my money. Once I have determined what I need to buy
for the week, I go online and have a look at the weekly specials. Doing this
increases your chances of finding out which items are for sale and what are
not. Buying items that are on sale saves me a fortune each week.
Names VS Home Brands
is where the true savings begin. Going online and doing a simple comparison in
price on the exact same product, with a different label on it is actually quite
ridiculous. Buying the Home Brand or Store Brand item is where the major
savings truly happen. For example, a 500g Coles spiral pasta costs $0.65 and a
San Remo 500g spiral pasta costs $1.95. I know this doesn’t sound like a lot
but when you’re buying on average 3 packets a week the yearly savings are
$202.80. That’s $202.80 a year saved literally on 1 item that tastes basically
the same. Imagine how much money you can save per year by adopting this method
with everything you buy.
week I write down the meals that I want to eat for the week. Planning out what
I am going to eat and what days I am going to eat it saved not only a lot of
time, but most importantly a lot of money. Doing this eliminates the chances of
getting home from work, not knowing what you want to cook, not having ingredients
and taking the lazy and expensive way out of getting takeout. Sunday is my
weekly shopping day. What I do after I get home from shopping is what is the
key to sticking to a meal plan for the week. I prepare all of my meals and
either refrigerate or freeze them. If I have frozen vegetables, it is only a
matter of quickly microwaving them so that isn’t too much fuss. Things like
chicken, steaks or mince I will cut, marinate and prepare so that when I am
ready to cook dinner, it is simply a matter of taking them out of the fridge
and cooking. How good is that. No stress and wasting precious time after work
because who can seriously be bothered spending potentially an hour preparing
and cooking dinner after a long day. I spend on average 1 hour on a Sunday
preparing food for the week and it saves me lots of time each night and takes
out the risk of take out or going to the shop and buying unnecessary items.
the easiest hack on my list but it is usually where most people fail. Simply
setting a limit on how much money you’re going to spend will really make you
evaluate how badly you need to buy something if you’re over your budget. One
way I look at spending on items is, is it a want or a need? Food is a need, its
simple. You can’t live without food. But you do have an option on what food you
do buy to put into your body. Buying pasta, red sauce and some mince is a need
if that’s what you have listed as your meal for dinner. But is the 1.25L bottle
of coke, packet of chips, block of chocolate and some ice cream for dessert and
snacks a need? If you struggle with portion control, it will benefit you more
filling up on your dinner than having a small dinner and then bingeing on junk
food after dinner. Be mindful of what foods truly are a want or a need.
not saying don’t eat healthy and to buy the cheapest foods possible even if it
is junk. You can still eat a highly nutritious and healthy diet without buying
the highly priced organic brands. How much more value are you going to get out
of a normal branded food, or an organic one. For example, I eat oats and bread
very regularly. This is my comparison:
brand rolled oats= $1.65 for a 900g bag.
Gourmet Oats= $9.00 for a 750g bag.
rest my case. The lists go on and on. Applying this simple trick will save you
thousands each year.
get me wrong, I love eating meat. Once I sat down properly one day and worked
out how much I was spending per week on meat/fish a week nearly gave me a heart
attack. I used to have meat, chicken, tuna or fish with literally almost every
meal I had. I’m not saying become vegan and stop eating meat forever. Limit
your consumption of it. A standard meal I eat is brown rice, frozen vegetables,
4 bean Coles mix and sauce for flavour. It’s a cheap and easy meal and most
importantly it keeps me fuller for longer. I forgot to mention the added bonus
of having more energy and dropping body fat by eating meals like this one
daily. The best part about this meal, it’s cheap!
DAILY DIET EXAMPLE
meals that are cheap, keep me full and are good for me. There is a
generalisation that eating healthy costs a fortune. I have debunked this myth
and have found that eating healthy has saved me lots of money. A little practice
that I do that you may disagree with is fasting. I wake up at 5.30am and don’t
eat my first meal until generally about 5.00pm at the earliest and about 6.00pm
at the latest. I know that might seem crazy to you but it does not take long to
get into this routine. I actually find myself eating less at night time by
fasting during the day because I am eating my daily calories in a 3 to 4 hour
window keeping me nice and full. During the day I will generally have 2-3 cups
of coffee (not store bought of course). I sip on water throughout the day. I
have also found that I have more energy at work by not eating. I do sit down
for a lunch break with others to refuel, I just don’t eat. An example of what I
may eat on a daily basis is:
arriving home: 100g Coles rolled oatmeal, 70g of Coles frozen mixed berries,
half a frozen banana, a dash of cinnamon and 1 table spoon of honey.
150g Coles brand pasta, 150g Coles brand pasta sauce. I do mix my pasta sauce
with herbs and spices for flavour otherwise it is too bland.
bed (If I am still hungry): 2 pieces of toast with vegemite.
simple yet tasty meals like this weekly generally costs me less than $30 a
week. That’s including items like butter, cooking oil, herbs and spices and
everything in between. The best part is, most of these items I only have to
purchase about once a month. Things like cinnamon, honey, butter, vegemite and
the herbs and spices tend to last a long time and I use them daily. I have had
shopping bills as low as $20 dollars for the week eating like this.
tracking what I spend at the supermarket for a long time now and looking back
at old statements on how much money I used to spend at the supermarket, I can
conservatively say that I save $100 per week at least by using the above hacks.
$100 per week does not sound like a lot but when you break it down in the forms
I am about to, you will be in shock.
$5200 savings a year.
$26,000 savings in 5 years.
savings in 10 years.
savings in 20 years.
years left of work) =$208,000 savings in 40 years.
There is a lot of money you can save by simply taking the above measures to make smarter decisions when grocery shopping each week. Imagine if someone said to you that if you can save $100 a week on groceries a week they would give you $5200 at the end of each year. You would laugh, accept the offer and do it easily. By taking the above steps, you can put that extra $5200 a year in your back pocket and put that money to better use. Next time you go to the grocery store, put these tips to use and I can guarantee you will be shocked at how much money you save. Good luck!
you’re wanting to get ahead or turn your life around, goal setting is key. Fail
to prepare and prepare to fail.
a clear definitive plan or goal, you’re destined for failure. Whether it is big
or small, goal setting is crucial to enhancing your chances at success.
myself daily goals, weekly goals, monthly goals, yearly goals and long term
goals. I will go into further details about how I personally set the bar high
and some of the results that I have been able to achieve doing this.
often ask me how I have been able to achieve so much in life already
financially without any assistance from parents, a high income or a dual
income. The answer to this is setting the bar as high as possible and attacking
I have my mind set on achieving a goal, I attack it head on. Nothing is going
to get in my way. I will run through a concrete wall if I have to. If I can’t
run through it, I will break it down. I will not stop until I achieve the goal.
this mentality has enabled me to buy a home, have a successful share portfolio,
be personal debt free, have a large cash savings and I am currently in the
position to be able to add to my property portfolio, without having to use
equity from my other property.
have achieved this by 25. All on my own. No hand outs, no special treatment and
definitely no lucky break. This was all achieved through hard work and
course, along the way there is always obstacles. It is how you approach these
obstacles that will determine if you derail your goal or plan. No matter what
has been thrown at me in life, I never let any curve balls put me off my goal.
I will not let anything get in my way. I approach my goals and dreams as if I
am on auto pilot. Nothing can take me off course. It is important to never give
up, not make excuses and remind yourself daily how far you have come on your
journey and think about how rewarding the end result will be.
a very competitive person. I hate losing and no matter how small the task is, I
like to do it better than anyone else around me and I like to do it the fastest
and to the best standard. Each night before I sleep, I write a list in the
notes in my phone about what I want to achieve the next day. Some examples are
Go for a workout
Clean out my work
Setting goals on
what I want to achieve at work for the day
Read for 30 minutes
Research a topic of
make sure that I attack these small tasks before the day is out and that gives
me a sense of achievement each day and gives me greater confidence in achieving
regularly review my day to day goals at the end of the month. Whether it be
financially, personally, at work or for myself. This keeps me accountable to my
goals and dreams and reminds me each month of what I need to do to get where I
want to be. I review at the end of the month
How much money I
How much money I
How much has my
How much do I have
in my share portfolio
How many workouts
did I get in
may be different to your own personal goals but these are examples of
constantly reviewing key areas in your life to always be improving.
are the fun ones. At the start of the year I set large goals that I hope to
achieve. The key is setting the bar as high as possible. Never set a goal that
you think seems pretty achievable. Set it as high as possible. Set it at a
height where you think to yourself that it is most likely unachievable. By
doing this, I have been able to get unbelievable results. I was an apprentice
up until I was 22. At the time, my goal was to buy a house by the time I was 25
or before I turned 26. At the time, this goal seemed enormous and completely
out of reach. As you’ve seen, not only did I smash that goal, I have achieved
much bigger and better things. Knowing how much I achieved and what you can
accomplish by setting the bar as high as possible, I now set my goals much
larger. I am currently well on track to achieve all my yearly goals and that is
because I set them so high and didn’t want to let myself down and have to tell
the people close to me that I failed.
large life goals is what keeps me motivated day in day out. I’m not talking
being a billionaire, owning high rise buildings, mansions, yachts or anything
silly like that. I mean goals that genuinely are achievable to you. Some of my
big life goals include
respected and treating everyone I encounter in life with respect, genuine care
and how I expect people to treat me
Owning 5 investment
properties paid off by 50
Earning $20,000 in
dividend income by 50
Only have to work
because I want to and be completely financially independent by 50
Give my partner and
our future children the life we desire
Be able to help my
parents and in laws in their retirement because I have achieved financial
independence by 50
Set my children up
in life financially
Put them through a
Pay for their first
home and cars
Give them their
first deposit for their first home
large life goals and ones that involve my loved ones are very important to me.
Not only do I want to achieve these goals for myself, but the loves ones around
me. I want to take them on my journey and share the success with them.
tell my family and loved ones of my goals because that keeps me accountable to
my dreams. I don’t want to let them down and so one day, we can sit down and
say our dreams and goals came true.
my goals high and ones that involve the happiness of my loved ones puts a
burning desire in me each and everyday that makes me want to succeed and do
anything and everything I can.
important thing about setting the bar so high is that if you happen to fall a
bit short, you have still achieved so much more than what the average person
will and what you would of achieved if you had not set these high standards.
So I ask of you, what are your goals in life? Sit down, write them down and set the bar high. Doing this has worked wonders for me. It keeps me motivated each day and gives me purpose in life, no matter what gets thrown at me. I believe that by setting the bar high, you set yourself up for the life that you desire, and truly deserve.
often think that frugal living means starving yourself, not showering and
wearing the same clothes everyday, but that couldn’t be further than the truth.
Although some frugal people do these certain things, they’re most likely
practice frugal living everyday and I believe that I have a great lifestyle,
without having to sacrifice my life just to save a few dollars.
living doesn’t mean putting your life on hold and not spending any money at
all, it just means making smarter decisions with how you live your life and how
you spend your money.
YOUR LUNCH TO WORK
your lunch at work every single day will eat into your weekly budget. Being
conservative, if you spend $10 a day on buying lunch for a 48 week working
year, you would of spent $2400 on lunch alone. I personally can’t remember the
last time that I didn’t pack my own lunch for work. This has saved me a
fortune. Simply planning the night before what you’re going to bring for lunch
eliminates the chance of buying your lunch.
know that it doesn’t sound like much to spend $4 a day on coffee, but every
dollar adds up. With the same math used in the prior example, buying a daily
coffee will cost you $960 a year in buying coffees. I buy Coles brand coffee
mix for $4 a jar and get about 50 home made coffees out of this. This brings me
up to a small total of $20 per year on coffee instead of $960
not saying buy things by the box or carton, but buying in bulk in terms of kg
or units. I eat brown rice daily and I used to buy the pre packeted 125g cups.
These cups only cost $1.25 each. But when I buy a 1kg bag and make the rice
myself, it only costs me $2.50 for 1kg. To get the same amount of rice using
the pre made cups, it would cost me $10 for the same amount. I use this simple
method with literally everything I buy from the supermarket, saving myself at
least $100 each time I do grocery shopping.
out for meals at restaurants seem to cost an absolute bomb in this current day
and age. At a standard restaurant, to get a steak, chips and salad, expect to
pay about $35. This would be at a run of the mill venue and the portion would
be small. For the same meal made at home, it would probably cost you $10 and
you can make the portions as large as you want and the way your taste buds
desire. Eating normal meals during the week and treating yourself to a meal
life this once or twice a week at home instead of fine dining at a restaurant
has saved me thousands of dollars.
remember when I was a teenager, living at home with mum and dad and having
burning 30 minute showers. I didn’t think there was any problem with this until
I got older and realised how much water and gas are required to run this shower
period daily. Getting in and out of the shower as quickly as possible not only
keeps your water bill down, but it also keeps your gas bill down too. Gas is
required to heat your hot water so its not only your water bill that suffers. I
also try to shower every second day where possible. If I have a lazy day or a
really clean day, ill just wash my face at night. Summer and sweaty days at
work obviously require showering daily.
have limits on my spending on every aspect of my daily spending and long term
spending. If I exceed these limits, its just tough luck. If I am well and truly
constantly staying under these limits, I adapt and lower my weekly limit,
ensuring I am saving as much as possible.
AT DEPARTMENT STORES
designer clothes and keeping up with the trends is stupid. If you associate
with people who judge you on what you’re wearing they’re not people you should
associate with. The only time I will spend a little extra is on things like a
suit where I will keep this long term and generally only wear them at fancy
functions and occasions. I do basically all my shopping at stores like K-mart.
Most of my general t-shirts, jackets and hoodies come from stores like these
and I get them cheap. My everyday and weekend t-shirts cost me well under $10
and I regularly get compliments on how I am dressed.
you live with just you and your partner or on your own, is it really necessary
to live in a 4 bedroom home with 3 living areas, 3 bathrooms and a large yard?
Not only does it cost more money to maintain these homes, it costs more money
to run them.
have a meal plan that I follow weekly and using the tip with the rice I taught
you earlier, I eat as cheaply as possible but with maximum flavour, costing much
less than what the average person spends at the shops. I do the groceries once
a week and only buy what I need. Going to the shops 3-4 times a week leads to
buying items that you simply don’t need, blowing your budget out of the water.
Have a grocery list, have a meal plan and stick to them for a week. I buy my
food on a Sunday morning, meal prep on a Sunday afternoon and I never run out
of food or have to go back to the shops. This saves plenty of time and most
OFF THE HEATER
wasn’t for my partner, I wouldn’t even have heating in my house. When she
argues that it is cold, I say put more layers on. If you’re cold, rug up.
Simple. Wear socks, put on some track suit pants, wear a warm thick jumper. If
you’re still cold, put on a beanie or warmer clothes. Still cold? Get a
blanket. Same applies to sleeping. Rug up and get some extra layers in the bed.
YOUR CLOTHES IN COLD WATER
explained earlier, to create hot water, you’re using gas. Washing your clothes
in cold water will give you the same results as washing with warm water. Also,
wash with a lower water level and wash in bulk, avoiding small washing loads
and lots of them.
YOUR CLOTHES ON CLOTHESLINES
about using a clothes dryer. They draw lots of power and waste electricity.
Plan when you’re going to wash so that your clothes are dry for when you need
OFF THE LIGHTS AND POWER
not saying live in total darkness and quiet, I am saying turn off lights and
power when they’re not needed. If you leave a room, turn off the light or
television. There is no point in leaving these costly items running constantly.
in bulk not only saves you time but also lots of money. I eat rice and pasta
daily with almost every meal. Instead of always cooking them each meal. I cook
a weeks worth all at once so I am not constantly using the microwave, hot plate
girlfriend drives a 2 door hatchback and I have a company car with free fuel. I
know that not everyone is lucky enough to have this situation, but driving an
economical car will save you a fortune. Drive something cheap to run that gets
lots of km’s per tank, cheap to service and fix up if required. Also, back to
my company car situation. I knew that my boss’ wouldn’t give me a hefty pay
rise so I took an alternative route. Instead of asking for a big weekly pay
rise, I asked if I could start taking my work car home instead. Guess what? It
worked and I am saving a fortune. I am now saving about $260 after tax money
extra a week with a company car. Not bad for what seemed like a cheap pay rise
to my boss.
you love reading like I do, you’ll workout buying books weekly adds up. I found
a community library that lets members rent books for free. This gives me my
reading fix and its free!
some hobbies that a free. I enjoy walking, running and getting out in nature. I
also enjoy DIY projects. Not only are they fun, but they’re generally cheap or
free. Practicing having fun with free hobbies saves you a fortune and become
INSTEAD OF BUYING
difference in weekly rent compared to a weekly mortgage is ridiculous. The
landlord picks up most of the expensive costs too. I am currently writing an
article on why I rent which will explain this in detail.
television costs way too much money. My parents have 3 foxtel points at their
home and have all the channels. My dad generally only watches the sports
channels and my mum only a handful of channels. Most of the time they’re
watching free to air television too. What a total waste of money. I opt more
towards Netflix for $10 a month so I can pick shows I want to watch for a
fraction of the price.
less you own the better. Not only will it make you money selling these items,
but in the future you will be more wary of buying potential clutter.
dad has a big 3 of pointless expensive habits. There are gambling, drinking
alcohol and smoking. I would estimate that he spends in total around $300 a
week on just these 3 habits alone. I don’t even spend $300 a week to live my
lifestyle. Sit down, work out what expensive habits you have and cancel them from
your lifestyle. If you don’t need the expensive habit to breath or live or its
bad for your health and budget, get rid of it. Period.
UP YOUR CREDIT CARD
have never owned a credit card and never will. If you can’t afford to pay for
something upfront you don’t deserve it. Why pay for something you can’t afford
on credit, that comes with expensive repayments. Some people will argue that
the rewards points and bonus’ are great. Let’s get serious though. How many
rich and wealthy people do you know that use credit cards for rewards points
only? They use them to save money of things such as flights. Not to win a
kettle or get a pointless prize.
you want to travel, try travelling within your home state on a budget. If you
want to travel interstate, use a budget airline and scope the best sales and
deals for accommodation. Same applies to international holidays. You don’t need
to fly business class or first class or stay at a 5 star resort. I don’t advise
on going on regular international holidays. They cost a fortune. Keep them for
real special occasions like big anniversaries or if you havn’t been on one for
you can see, I still live a lifestyle that is not a whole lot different to
someone who spends double or triple or even scarier much more than what I do a
smarter decisions in life with your spending without sacrificing your lifestyle
will save you a fortune and get your closer to your financial goals.
Try adopting some of these tricks and make them apart of your life and you will be shocked at how much money you can save!
today’s world, there is an unlimited amount of information out there that you
can gain access too. The question is though, which information is the best out
years now, I have been searching far and wide for the best blogs and podcasts
out there on all things money, finance and personal growth.
trial and error, persistence and many long hours, I now have several go to
blogs and podcasts that I listen to and read regularly to not only learn more,
but to also keep myself up to date with the latest tricks and hacks out there
to better myself and be the best person that I can be.
the moment that I first heard the first episode of ‘The Property Couch’ I was
instantly hooked. The hosts, Bryce Holdaway and Ben Kingsley have extensive
knowledge in the field of property. Most importantly though, the show is not
one-dimensional. They talk about buying property, what kind of properties you
should buy, different types of strategies, mortgage brokering, spending habits,
how to structure your loans and much more. An added bonus on top of all of this
is they regularly have guests who are experts in their specific field. They
also do a Q&A session where they answer questions that the listener’s want
answered. This podcast is a complete all rounder and a must listen if you’re
interested in property or getting ahead in life financially.
TIM FERRISS SHOW
blog post that I recently posted ‘my favourite books on finance and personal
growth’ Tim Ferriss’ book ‘tools of titans’ features on my list. The book is
basically all the best information he has from his podcasts in a short summary
in book form. The podcasts are an in depth interview into the persons life,
which is quite revealing as the people he interviews are world class in their
fields. In Tim’s own words “each episode, I deconstruct world-class
performers from eclectic areas (investing, sports, business, art, etc.) to
extract the tactics, tools, and routines you can use. This includes
favourite books, morning routines, exercise habits, time-management tricks, and
much more.” I have adapted so many tricks and tips from this podcast that I
have adapted into my daily life.
I have only recently stumbled across ‘Aussie Firebug’ and I
must admit, it has changed my outlook on life. I can happily admit, it has
inspired me to speed up my own personal quest to financial independence and get
in on ‘the fire movement.’ Aussie Firebug is great because it gives an insight
into his own personal journey to try and achieve ‘fire’, which stands for
Financial Independence Retire Early. He gives regular updates on his net worth,
what he invests his money into, his spending habits and a few of the tricks and
tips he has picked up along the way. This podcast is very motivational as it
makes me want to work harder at trying to achieve FIRE myself. I am so glad
that I stumbled across this blog/podcast as it has changed my life for the
STRONG MONEY AUSTRALIA
Dave from Strong Money Australia was actually a guest on the
Aussie Firebug podcast, though I had discovered his blog before realising he
had been on the podcast. Dave’s online blog gives in depth information into his
own FIRE journey, something that he achieved at the ripe age of 28. In my
opinion, Dave has the best articles that I have stumbled across online about
tips and advice on how to reach FIRE. They’re packed with relevant information,
facts and advice to try help others achieve the same. His interview with Peter
Thornhill is a must read. Peter also featured on the Aussie Firebug podcast and
that is also a must listen if you’re serious about investing. This changed my
perspective on how to invest into the share market.
many years, I suffered from self-doubt, personal and social anxiety and
depression. I would have my good days and then for absolutely no reason at all
I would feel like I was on the verge of a mental breakdown. This constant cycle
that I was going through was starting to affect my personal life, social life,
relationships with friends and family and my output at work.
decided one day that enough was enough and I was going to do everything in my
power to get myself out of the hole that I had dug myself into.
most beneficial thing that I did was changing my mindset completely. By
changing my mindset, I started by looking at the positives in situations
instead of going to the negative. By doing so, I found that I was not get
worked up and overreacting to little problems or blowing things out of
proportion. Some key areas that I focused this new mindset were;
Positive mindset: I
began to have a positive attitude to any situation that was thrown at me in
life. Instead of telling myself reasons why I couldn’t achieve, I began to tell
myself that with a positive mindset, I could achieve anything that I put my
mindset: No matter how small the task, I made it a challenge in my own head. By
doing this, it gave me complete focus and drive to complete any task ahead of
me. I began to regularly set goals and as time went on, I was ticking off goals
consistently and this was improving my overall happiness.
never thought that I would be nearly 10 years out of school and I would be
preaching about the importance of self-education. I am willing to throw my hand
up and admit that I was a horrible student at school. I hated going and the
thought of going to University made sick to the stomach. Fast forward 10 years,
I am constantly looking for new ways to learn every day. I went from reading a
maximum of probably 10 books in my first 24 years on earth, to reading well
over 20 books in the last year alone. When I read now, I am constantly looking
to better myself as a person and to gain further knowledge in the area I am
focused in. When I finish a new book or gain further expertise in a certain
area of interest, it gives me a feeling of fulfilment and makes excited at the
prospect of learning more and bettering myself.
HEALTH AND FITNESS
on my overall health was a major factor in improving my overall happiness. I
began by improving my eating habits. I started slowly by cutting out all the
bad eating habits that I had developed. I started by cutting soft drink out and
only drinking water. I stopped having sugar in my coffee and replaced it with a
natural stevia. Once that sugar craving was slowly starting to fade out, I
essentially cut high sugar foods and sauces completely. Some great alternatives
to this was eating a small portion of dark chocolate. Eating fruit when my
sugar cravings were high and added honey to foods and hot drinks. The most
important key to these new habits was slowly transitioning into this new
lifestyle instead of doing it all at once. How many times do you hear of people
giving up all of their favourite foods and drinks all at once, staying on the
new ‘diet’ for a few weeks and then completely relapsing back to their old
habits. The way I made this work was by doing it bit by bit and viewing my new
eating habits as a new lifestyle and not as a ‘diet.’ Diets don’t work. Period.
Once I had my nutrition under control, I began working out. Going to the gym
has never been a problem for me, it was always nutrition that gave me problems.
Once I saw that I could control my eating habits and that I was enjoying my new
lifestyle, going to the gym became fun and gave me great joy and peace of mind
going. As I started to see noticeable change to my body and overall feeling, my
happiness improved dramatically.
KEEPING A JOURNAL
could be truthful for a moment, I believe this alone truly made me a much
happier and positive person. What gave me this idea was constantly searching
the habits of successful people and what their daily routines were. Apart from
all of the traits that I have listed above so far, keeping a journal popped up
regularly. This was one of the last things that I tried and I must say, the
results were astronomical. There were some keynotes that I put into my daily
journal that help keep me on the path to happiness. They’re;
5 things that I am
grateful for. This was a real game changer. By listing things that I am
grateful for, it made me appreciate the smaller things in life that we take for
granted each day. Things like having a roof over my head, fresh food, clean
water, electricity, my families health, living in Australia, access to
internet, books. These are some of the things that I list daily and I have
found that it has not only improved my mindset and happiness, it has improved
my relationships with friends and family and to not take the finer things in
life for granted.
5 things I need to
improve at. This has had a major impact on me. Listing traits that I would like
to change and improve at has definitely changed me for the better. Some of the
things that I list regularly are patience, spend more time with family, let
others speak instead of myself, ask more questions to others, make others feel
important and valued, pay more complements. Aiming to improve in the areas that
I list have made me a much better person overall and a happier person.
Tracking my daily
eating and workouts. This kept me accountable and I can track my progress. It
keeps me accountable and keeps me on track for my goals.
Writing about my
day. I try to keep it all positive as it makes me feel like I have accomplished
more in the day and I go to bed feeling happier with the day that I had.
What I learnt or
read. This keeps my mind sharp as I am looking for new things to read and learn
about daily. By writing it down, it tends to stick and I adapt it into my daily
5 goals for
tomorrow. Writing down tasks I would like to achieve the next day is a great
way for me to make a list of things I need/want to achieve and gives me a
better chance at achieving them.
Putting a positive quote into my journal to end the day makes me feel happy and
have a positive outlook for the next day.
DOING WHAT MAKES YOU
putting all the above into practice and making them apart of my daily routine,
one thing that tops them all is doing what makes me happy. I have stopped doing
things that don’t make me happy and focus on doing the things that I enjoy
doing. Whether it is watching a movie I enjoy, listening to music, downloading
a new podcast, reading, going shopping, going out for dinner, spending time
with loved ones, catching up with friends, going to sporting events, taking a
holiday, changing jobs and many more. By focusing more on making my own
happiness a priority and not putting myself in situations I don’t want to be in
or trying to impress others or follow the trends, I can confidently say that I
am extremely satisfied with my life. I can truly say that in this time of
writing, I am the happiest I have ever been.
By practising these traits on a daily basis and making it a new lifestyle, being happy each and every day feels natural and not forced anymore. Take it slow, there will be hiccups along the way, complete happiness didn’t happen for me overnight. By sticking to a plan and ticking off goals each day, I successfully transitioned from someone who was miserable with life, into someone who can proudly say that I love my life and can’t wait for what the future holds.
is an abundance of books out there about all things money and personal
growth. The problem is, a lot of them
have the same information in them as each other or the information in them is
dated and useless.
an avid reader and believe it has shaped my mindset and actions in life. The books below are some of my favourites
that I have read and definitely recommend you reading them too.
DAD POOR DAD
there ever been a list on the best money books that hasn’t included Rich Dad
Poor Dad by Robert Kiyosaki? There is good reason that this book is always on
those lists and is often considered one of the greatest personal finance books
of all time.
the book, Robert talks about his two greatest influences in his life, his rich
dad and his poor dad, who have completely different views on life and money.
His rich dad believes in paying yourself first, investing, working for
yourself, starting business’ and most importantly, building an asset column
that out ways your income. His poor dad believes in going to school, getting
good grades, going to college and getting degrees and locking down a high
paying job for life.
was the book that truly opened my eyes to the world of getting ahead in life.
Robert’s views on investing, growing an asset column that eventually replaces
your income and avoiding debt that doesn’t create an income for you have really
shaped how I view the world of money and how I live my life. It is a must read
if you want to get ahead financially.
book is definitely the starting point for anyone who wants to get their
finances in check. Scott Pape has built a cult following and with good reason.
Barefoot Investor is a great book because it isn’t complicated, it’s for the
everyday person looking to get ahead in life or get themselves out of the
struggles they’re stuck in.
talks about setting up different bank accounts for everyday spending,
lifestyle, savings and long term savings. He gives great advice on maximising
your superannuation, getting rid of debt, earning more money, saving for a
house deposit and setting yourself up for retirement. If you’re a beginner, I
recommend starting with the Barefoot Investor. My financial IQ is relatively
high now and I read this book each year and regularly refer back to it.
TO WIN FRIENDS AND INFLUENCE PEOPLE
absolute classic by Dale Carnegie was written was first published in 1936 and
the information in it is probably more useful in today’s time than what it was
back in 1936.
the book, Dale writes about the fundamental techniques in handling people.
These include don’t criticize or condemn people, give honest and sincere praise
and arouse in the other person an eager want.
also lists his 6 ways to make people like you. Some of the ways he teaches this
interested in other people and their interests.
names that you meet or interact with.
Be a good listener.
Encourage the other person he talk about themselves.
Talk in terms of
the other person’s interests.
Make the other
person feel important and do it sincerely.
has 12 techniques with the purpose of winning people to your way of thinking.
His 12 techniques are;
Show respect to the
other person’s opinions and never point out they’re wrong if you disagree.
If you’re wrong,
admit it and do it sincerely.
in a positive and friendly way.
that the other person will answer with yes.
Let the other
person do a great deal of the talking.
Let others feel
that it is their idea.
Try seeing the
other persons point of view on a situation.
Be sympathetic with the other
person’s ideas and desires.
Appeal to the nobler motives.
Throw down a
goes on to give advice on how to be a leader and living a happier life. If you
want to work on your social or people skills, this book is a must read for you.
Ferriss is a New York Times best selling author who has a world famous podcast.
On his podcast, Tim interviews world famous people who are masters of their
craft. This includes musicians, actors, billionaires, athletes, nutritionists,
scientists and anyone who specialises in their field.
on all these interviews Tim has conducted over 10 years, Tim compiled all of
his best notes and put them into his book.
the book, all of these ‘Titans’ list their habits, tricks and life advice.
of studying one person or listening to all of these podcasts, which would take
too long, Tim has put the best and most relevant information in this book. This
book has changed my life and left me in awe several times during the book. This
book is next level to anything else similar to it and is a book that anyone can
find something that will serve purpose to their life and change it for the
HABITS POOR HABITS
Rich habits poor habits is probably the most intriguing and fact filled book I have ever read. Tom Corley conducted years of study and research into rich peoples life habits and poor peoples life habits. Tom compiled all this research into stats and the findings were extraordinary. The different lifestyles that rich and poor people live are alarming and lifestyle and habits definitely play a part in creating a life of wealth. It all starts with mindset and habits and this book gives you the exact blueprint on how to do so.
own mind can be your greatest asset, yet at the same time it can also be your
way you think will determine the decisions that you make daily. You do not have
to be financially well off or rich to be considered wealthy.
wealthy mindset is all about feeling empowered, happy, your well being and
enjoying life. Everyone has gone through a period of time where they have felt
worthless, felt like they’re stuck in a rut that they can’t get out of and
don’t feel valued. These feelings are self destructive and will affect your
quality of life.
I know several who are financially rich, but
have a poor mindset. I also know others who are financially poor, but they have
a wealthy mindset.
mindset is key difference between your living a life full of wealth and
happiness. It isn’t hard, with just a few simple tweaks in your beliefs, you
too can live a life full of wealth.
YOUR DAY WITH POSITIVITY
many days have you struggled to get out of bed, continually pressing snooze on
your alarm, before finally dragging yourself out of bed only to complain in
your head about not wanting to face the day ahead? Not only does this set you
up for a day full of negativity, it will affect your mindset throughout the day
with your tasks ahead.
Wake up earlier
than you need to. This way you have more time to prepare yourself for the day
and achieve some tasks before you start your day.
Meditate or read
something positive. Not only does this relax your body and mind, it connects
you to all the things in your life that bring you joy.
Being grateful is one of the best practices for developing a wealthy mindset
and starting your day off on a positive note. Being grateful makes your
appreciate all the finer things in life that we take for granted each day.
Write down a list
of tasks you want to achieve in the day. This sets up your day because it gives
you purpose for the day ahead and gives you something to look forward to.
Smile. Something as
simple as smiling honestly makes a massive difference in the morning. I smile
while I wash my face, brush my teeth and it brings out positive thoughts.
setting can take you a long way in life. Not only did it transform my life
financially, more importantly, it changed my mindset completely. I began by
setting goals of spending more time with family, calling a friend I havn’t
spoken to in a long time, developing closer relationships with friends, family
and colleagues and I set goals for how I wanted my mindset to be.
doing this, I noticed that I developed better relationships with people, my
moods were better and most importantly, I began to feel a sense of
POSITIVE THOUGHTS, DELETE THE NEGATIVE THOUGHTS
talk and thoughts can creep up on anyone without even realising it. Getting
down on yourself is completely unnecessary and it can ruin your mind and life.
Not only will negative thinking and thoughts affect your mindset, it will
affect your life. Negative thoughts drastically change your decision making and
the life you will live. You’ll live a life of fear, constantly being held down,
not reaching your full potential. Who honestly wants to live a life full of
fear, being scared and angry all the time?
thoughts will completely change your life for the better. Simply uses positive
phrases and words when you talk will change the thoughts that develop in your
head. Saying a negative line like “ I can’t do it. I’m so stupid “ is obviously
going to destroy you mentally. Instead, approach the situation with a different
outlook. Practice saying lines like “ How can I do it? I will find a way to
make this work.” Look at the difference. Imagine how much greater your thoughts
are going to be using positive thinking when approaching challenging
THINGS THAT MAKE YOU HAPPY
would anyone want to put themselves through a situation or a task that makes
them unhappy? You don’t have to. Everyone has a choice in life about the
situations they put themselves in. If you feel like you’re doing something that
makes you unhappy, simply take yourself out of the situation. Don’t spend your
precious time doing something that makes others happy at the expense of your
own. I too used to be a people pleaser. It is possible to do both. I now focus
on doing tasks and hobbies that make me happy.
the long weekend that you have wanted to take for months. Go on the holiday
that you have been dreaming about. Listen to the songs that make you smile.
Watch that movie or television program that makes you laugh. Life is too short
to not do the things that make you happy.
YOURSELF WITH POSITIVE MINDED PEOPLE
you surround yourself with positive minded people, you’ll begin to develop
their way of speaking, thinking and actions. Positive minded people generally
live a much happier life than those who are negative. Spending your time with
people who are constantly negative will slowly over time bring you down to that
level, without you even realising it. Wouldn’t you rather spend your time with
someone who is happy, laughs and has fun living life, rather than someone who
is always complaining, talking about all their problems and how hard life is?
A HEALTHY LIFE
food and liquids you put in your body are statistically proven to make you a
happier person. Not only are the health benefits great, but you’ll also feel
greater mentally. It’s a win win situation. Eating a healthier diet, getting
outside for some exercise, or hitting the gym for a workout makes you feel
great. It gives you a feeling of accomplishment.
giving back to people for no reason at all is a great way to develop a wealthy
mindset. Doing something nice for someone just for the sake of doing so is a
great way feel good about your self and more importantly, the other person on
the receiving end of your gesture.
you have it, these are some of the things that I have done in my life that have
helped me to develop a wealthy mindset.
These tasks are not hard, they don’t require any talent or money to develop. It all starts with you. Simply by changing your lifestyle and focusing on the lifestyle that you choose to live, will give you the feeling of having a wealthy mindset and life.
Personal Finance Tips now has Instagram! My instagram page is personalfinancetips_ and it will be dedicated to sharing my money tips, personal growth tips and everything else I feel is important to living the best life possible.
instagram will be a more direct view into my life and who I am. There will be
more regular updates as to how I live my daily life, to show you how I live.
So give me a follow so that you can follow my journey and hopefully I can teach you a thing or two!