About

Thanks for visiting my blog. I'm a Sydneysider living in Australia. I'm passionate about a wide range of things such as sunny days, great food, going to the beach, wildlife, skiing and snowboarding, philanthropy, beautiful art, crafts and having fun : ) More often than not, I go astray and way off topic by writing about food, holidays, gardening, cats and random things but that's the beauty of life.

I manage my personal finances so that I can look after my future self. I want my future self to be comfortable and to have thousands of options in life. I want the freedom to do whatever I want,  wherever I want. Being diligent about my personal finance means giving myself options. I don't want to be worried about every single day, nor every single decision I make whether large or small because I'm hampered by the lack of funds. This where personal financial management comes in.

Debt is good only if it's good debt. Good debt is tax deductible and it's awesome. I don't know why some bloggers hate debt because if you use debt properly, you can magnify your investment returns. Bad debts are lingering credit card debts, personal loans and pretty much debts that resulted from buying 'stuff' that just clutters up our home or provides no income or return in the form of capital appreciation. The road to freedom is to keep yourself free from those bad debt.

There is no-one to blame but ourselves if we grow old and we have nothing but regret for the way that we've lived our lives. We set our own destiny and path in life. If you enjoy my writing, subscribe or leave a comment.

Live in the present but also plan for the future. xx