I’m a spender, no question about it. I love having new things. Pretty things. That thing I saw in that magazine that looked like it’s going to change my life. Need it! You get the idea. I love stuff.
Thankfully, I also have pretty good will-power and a basic understanding of “don’t spend more than you make” so I’ve never gone into large amounts of debt or lived well beyond my means…
I admit, being on two lots of maternity leave left my credit card looking a little dire and upon my return to work, my fortnightly pay was mostly paying the bills and mortgage first, and my credit card second. No money left for pretty new things. Wahhhhhhh! Doesn’t matter! I just paid $500 off my credit card, I’ll use that! And the cycle continued. You get the idea. I was constantly chasing my tail.
I knew something had to be done, but what?
Enter dear Husband, who sat me down one day and told be about this book that his mate had read. “A finance book? Yawn! No thanks!” was my first reaction. But I’m a good wife (ha!) so I sat and listened to what Benji had to say. Saying goodbye to debt, paying off our mortgage, setting up our girls with good nest-eggs, setting ourselves up with enough super to live comfortably until the day we bid this world adieu. It all sounded pretty good. All I had to do was read a book, and if I didn’t like it, I didn’t have to go ahead with anything. Simple enough.
Enter The Barefoot Investor by Scott Pape. You’ve probably heard of him before. He’s on the TV, in the paper, he’s bloody everywhere. Turns out there’s a reason why.
I’m not going to go into the specifics of the book for you here, but what I will tell you is I’m hooked. I’m in. All in.
His book is simple, easy to understand and gives you a great plan for how you’re going to set yourself up. It makes you THINK about your money more and I’m pretty sure most of us could use a little reminder to do just that. Especially those of us with a nasty internet shopping addiction…
Since reading the book, I’ve cut up my credit cards, opened new, zero-fee bank accounts and have set up my buckets of money so they are now working for me. Now I just have to stick to the programme.
I’m going to be more mindful about what I purchase now. Do I really need that 6th pair of jeans just because they are a shade lighter than the ones I have already at home? No, I almost definitely do not. Do I need that face-cream that’s going to help reduce fine-lines and stop me from looking like a dragon in the morning? Yes, yes I do. For a spender, it’s tough – not unbearable, but Benji and I are making it work. We have savings goals in mind and I tells ya what, we are going to smash them. That I’m sure of. Because like I’ve said before, I’m a stubborn thing and once I get a goal in my head, I get it done.
And you know what? It feels really bloody good. Knowing that I’m taking control of my money and setting my family up for financial freedom is giving me all of the feels. More feels than having all the things in the world can give me.
So if you feel like you’re a little overwhelmed with your money, take a deep breath and go find a copy of The Barefoot Investor. You might read it and think nothing of it, but for some of you, it might just change your life. What have you got to lose?
*Please note this is NOT a sponsored post – I’m just super excited to share something I’ve learned with you all!
** If you do decide to go barefoot like me and open an ING Orange everyday account before February 28 2018, email me at email@example.com to receive a promo code to receive $100 (conditions apply).