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Author Archives: Bankruptcy Ben
First Budget Done, Need to make some hard decisions.
T or the first time in my life I’ve done a budget (wooo I’ve finally grown up!). Well, to be honest I’ve done budgets before but they were based on hopes and dreams rather than cold hard facts. After recording my expenses since March I have a reasonable idea what my expenses actually are. I’ve [...]
Posted in Financial Freedom Journey 5 Comments
Budgeting apparently I need to do it!
Everyone remember the four habbits of people who have low financial stress. We’ll I’ve done the” write down how money is spent” thing since March (it now being July) and I’ve got to say it freaking terrified me. Particularly when I realised how much I was spending and that this finance blogger was actually spending [...]
Posted in Uncategorized 2 Comments
$10 for free!
How often do you get a chance for a free $10. Not very often in my experience! Well the Queensland government is giving away GO Cards loaded with $10 in credit for free. We’ve already paid for it with our taxes so you should definitely get one! You can get the free Go Cards by [...]
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The sweet taste of financial freedom, eBay liquidation and bankruptcy musings
I’ve started to liquidate my possessions on eBay. My stuff is just sitting there taking up space, mocking me for buying it in the first place. It’s not liquid (cash) either and at some point most of it will be worthless and outdated. So my logic is I might as well sell it and get [...]
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Government Should Leave It Alone!
The government, well more specifically the Attorney Generals Department are having a review into the Debt Agreement System at the moment. They have these things every so often. The big news is that there a changes being considered to the bankruptcy act to “encourage” people to do Debt Agreements (a payment arrangement with creditors). The [...]
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How do I know if I'm in trouble?
There is a world of difference between things being tight and being in trouble. However a lot of the people I talk to don’t even know they’re in trouble. Worse still they think they’re in pretty good financial shape. All they need is a debt consolidation loan and life will be all good again. Unfortunately [...]
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Extra Income
I signed up literally yesterday for market research and I have been called 4 times already for participation in focus groups. I’ve been offered $60-$80 for 1.5hrs work. It’s not alot but it’s all money in the bank or more to the point off my debt.
Posted in Uncategorized 2 Comments
FFJ-Earn Extra Cash
I’ve been reviewing my expenses, I’ve taken the razor gang to expenses. Things are well starting to look a little inflexible now. The only way I can see to reduce my expenses further is to get rid of my car entirely, get rid of my health insurance (consider you circumstances, etc, disclaimer), sell my house [...]
Squeezing Every Last Cent!
Over the last couple of months I haven’t really said why I’m trying to cut expenses. We’ll a whole bunch of rate rises have taken me from being comfortable to being well a little uncomfortable… On top of that I bought a house that needed lots of work. So several thousand dollars later I’ve noticed [...]
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Budget Evaluation