Personal Finance, Wedding

Creating Our Dream Wedding | Chapter 5

Sophia20

Hello friends, it’s been a while. Welcome to Chapter 5 of my wedding planning series, and the last before my fiancé and I get married. Yes, it’s less than 100 days out, and the next time I update this series with our final and complete wedding expenses in Chapter 6, I will be a Mrs!

My last update was in August, and it’s crazy how things have changed since then. I’d just updated you on my new job and new savings plan, but since then, as you may already know, both my fiancé and I have had another change (increase) in income.

Our income isn’t the only thing that’s changed. There’s one massive change I haven’t shared with you all; and the reason I’ve been quiet and avoided writing about my wedding for a few months.. We cancelled our wedding reception.

Phew! I wrote that with a huge sense of relief and joy.

Why did we cancel our wedding reception, and what are we doing now? Also importantly, what are we doing with all our wedding savings and the thousands of dollars we’d saved for the occasion?

Continue reading

Standard
Lifestyle, Money Mindset, Personal Finance

What We Did With A $6K Pay Rise

Hello friends,

In September and October this year, my partner and I both received a pay rise in our respective jobs. As you may have guessed from the title, it was approximately $3000 each – a $6000 increase in our joint gross income. Hooray!

Today I’ll be sharing with you what we did with our extra income and how we chose to be mindful with this money.

Continue reading

Standard
Budgeting, Lifestyle, Money Mindset, Personal Finance

Money Mistakes I Made in My 20’s

Collage

Hello friends,

Today I’ll be sharing with you some personal finance stories from my 20’s – or shall I say, my early 20’s!

This topic has often been on my mind, but I’ve always been a little hesitant. As a believer in the Law of Attraction – which encourages manifestation of your best life through thoughts, actions & beliefs grounded in positivity, gratitude, and living in the present – it has always felt unconducive to dwell on the past and on mistakes.

But, I believe reflecting on the past can be incredibly valuable. If you look back on your past self and dislike who you were, or where you were in life, it’s a sign that you’ve grown and become a better person since then. Your growth is what makes it possible for you to have that realisation. It’s the same with personal finances.

So, I’d like to introduce you to the hot mess I was in my early 20’s, and the freeing changes I’ve made since. You could even call it my own financial #glowup! Please note these are definitely not all overnight fixes; whether they’ve taken weeks, months, or years to improve upon, they are all things younger me could have done better over the last 8 years. By the way, do y’all like my cute 90’s inspired scrapbook collage?!

Continue reading

Standard
Budgeting, Money Mindset, Personal Finance

How I Got 10% More of My Pay

Hi friends,

Recently, I discovered a way to get 10% more of my pay. Not to be confused with getting 10% more pay, I made a few simple changes over the last few months to get 10% more of what I already earn. Today I’d love to share with you how I did it, and how you can too.

It all started when I made a mindful habit of reading my payslips. One day, I realised that there was a large discrepancy between my gross income and my take-home (net) income – specificially that I was receiving about 74% of my salary in my weekly pay. To give you an idea, here’s the same percentage based on different salaries:

If your salary is $52,000, making your gross weekly salary $1000, you would be receiving a net weekly salary of $740.

If your salary is $60,000, making your gross weekly salary $1154, you would be receiving a net weekly salary of $854.

If your salary is $45,000, making your gross weekly salary $865, you would be receiving a net weekly salary of $640.

Quite a difference, isn’t there?

With some easy steps, I managed to close the gap and lessen the difference between what I ‘earn’ and what I receive. I’d like to make a small disclaimer and highlight that these were personal decisions. With that, here are the steps I took.

Continue reading

Standard
Lifestyle, Personal Finance, Wedding

Creating Our Dream Wedding | Chapter 2

Hi friends,

Welcome to Chapter Two of my wedding series!

May was an expensive and eventful month, one full of wedding accomplishments. Some of these include:

  • paying off our honeymoon
  • booking our florals, lighting, decor, and photography
  • ordering my wedding dress

…And attending two amazing wedding shows!

Continue reading

Standard
Budgeting, Money Mindset, Personal Finance

How I Save Money on an Inconsistent Income

Hi friends,

Today I’d like to share with you how I save money on an inconsistent income. Just a few years ago, I’d rely on $1400 to hit my bank account every fortnight – and it did, each and every fortnight without fail. Even then, my income regularly fluctuated because I volunteered for so much overtime and, twice a year, received a performance bonus – but it was positively inconsistent in that I could always rely on at least that amount or more. It was blissfully easy to budget.

Fast forward to 2019, and I’m sure those of you who are freelancers, self-employed, contractors, or run a side business can relate to earning a wildly inconsistent income. It started in 2018, when I had six sources of income, one of them being a part-time job that would give me 21 hours one week, 4 hours the next; another being photography, where one month I’d shoot two events and others where I’d shoot none.

Here’s a snapshot of my income now:

Continue reading

Standard
Budgeting, Personal Finance

How I Saved $232 a Month While Looking for a Job | One Year Update

Hi friends,

A year ago, I wrote a blog called ‘How I Saved $232 a Month While Looking for a Job. It was well received, and I was especially delighted to hear from others who could relate to my situation of saving money through big life changes (whether or not they were job related)!

The six expenses I cut or reduced were:

  • Spotify Premium
  • LinkedIn Premium
  • Mobile phone data
  • My gym membership
  • Office 365
  • My mortgage payments

Of these I have four updates to share, so today I’d like to share with you how I’m doing one year on.

Continue reading

Standard
Lifestyle, Money Mindset, Personal Finance, Purpose & Passion

Manifesting Money

NZ Spirit Festival 2018 (206).JPG

Hi friends,

Today I’d love to share with you what I’ve learnt about manifesting money – what it is and why it’s real.

My first experience consciously manifesting money was at the NZ Spirit Festival. I attended a workshop called ‘Tapping into Money’, which taught us the power of tapping on meridians to remove energy blocks and tap into a mindset of abundance, and was surprised to have seemingly manifested money that very night. From the $180 I made from selling concert tickets, to the $50 I made selling my extra festival ticket, to the $500-600 I’d receive later thanks to two photography enquiries in one night, it was excitingly strange and synchronous.

Since then, I’ve learnt plenty on the topic, mostly thanks to Youtube & books. Among the self-help books I’ve read this year, the money-related books I’ve read are Creating Affluence by Deepak Chopra, The Richest Man in Babylon by George S. Clason, and You are a Badass at Making Money by Jen Sincero. I’ve also bought Conscious Money by Patricia Aburdene and The $1000 Project by Canna Campbell to add to my reading list!

What stands out to me is that, no matter how practical and tangible people think money is, everything I have read or watched touches on the most important aspect of attracting more money and building wealth: your mindset.

No, manifesting money isn’t praying to the Universe to give you money while you’re sitting around doing nothing, or the opposite – working to the point of burn-out. It’s not simply using Law of Attraction and positive affirmations to say, “I am wealthy” – it’s so much more than that. Here’s the best lessons I’ve personally learnt about manifesting money.

Continue reading

Standard