Simply put, Expenses are the goods or services you spend your money on. This is the category of spending that is typically addressed by “budgeting”. Generally I find budgeting posts to be overwhelmingly unglamorous or wrought with not-so-subtle value judgements – both of which can […]

The first step in the journey towards financial independence and wealth building is understanding your starting point. Let’s call this the baseline. I know it’s scary, but trust me, you can’t begin to measure your progress until you really understand your own numbers. There are […]