I’m a terrible budgeter (although I do manage to save for the things I make a priority). I’m not so good week to week. I thought it was time to get sensible about money. After hearing some recommendations online, I’ve recently devoured “The Barefoot Investor” by Scott Pape and I am super keen to start. If you’re not all over your money and it freaks you out, then I highly recommend you read it. This post isn’t sponsored by the way, just a public service announcement. Pape knows about money. He’s an independent financial advisor and knows first hand what it is like to lose everything. He watched his farm and everything he owned burn down in the Victorian bushfires. But was able to turn to his wife at the time and say “I got this”, and he had.  This is the essence of the Barefoot Investor Budget. Pape wants you to be prepared for all possible events, but wants you to have fun too. He asks that you schedule dates to see how you are tracking, and five consecutive ones to get things going. Here are the principles of a Barefoot Budget and how you should allocate your money. Let’s do it.

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Expenses = 60% of your income

No more than 60% of your income should be allocated to living expenses (food, accommodation bills). If you’re pushing further than this quota then its going to be hard to do anything. Pape recommends to see a financial advisor if you’re in this situation.

Splurge = 10% of your income

This is fun money. For things like pedicures, drinks at the pub or meals out. I’m pretty good at allocating this. (Too good in fact.)  Continue Reading…

I’m going to start this post by saying that I was not best friends with Justine. I did not know her very well. While I grieve, I grieve for the loss for her family, partner and close friends. Justine was part of my Cantoo community. My lifesaving, amazing bunch of Cantoo friends who I love this week more than ever. Cantoo trains people for marathons, half marathons, triathlon and swims. Participants sign up to raise money for cancer research and in turn receive training. I’ve made a bunch of lifelong friends through this group, which can be hard to do in adulthood and it keeps me on the straight and narrow at least for three months per year.

Everyone that does Cantoo is kind of special. Dickheads don’t want to raise money for cancer.

Justine had done a few programs before me, but once you are a Cantooer you always are. Former participants often stay involved to cheer or energy champion other programs. Justine would often turn up to cheer our long runs while we were training for our marathon in the dead of winter. Always smiling like an idiot, on freezing cold days in her UGG boots. She was more excited than us runners. She had lost her mum to cancer years ago, and turned this experience into one of helping and healing others. Some would have gone the other way. She drove us to our race day, more excited than us, who were quietly shitting ourselves in the back. Whether you met her for a second, or several times, she would hug you and bubble over like you were best friends. And it wasn’t fake. This was the type of joyful and caring person that she was. This was further emphasised by the huge turn out at the vigil. She had touched many people throughout her life here and in the US. Continue Reading…

Back in the day, receiving a phone call on the landline caused a sense of wonderment and achievement. We would run to the phone, in the fear that we might miss out on finding out who it was and if we did not answer then the caller identity would remain a mystery forever.  I fear that the old phone call, to find out how someone is doing is going way off trend.

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We are all busy people these days. I get it. Oh do I get it. On Sunday morning I found myself with some quiet time and I went for a walk. I used this time to call a few people I had not spoken to for a while. Not one person answered the phone. Nor did they call me back by the same means. As it may seem, there are many ways to return a phone call in 2017. The options are confusing. (This post excludes snapchat and twitter because they confuse me.) I shall explain a few ways that you can return a phone call below.

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Text Message

The text message is a fast popular way to return a phone call and requires minimal effort. In fact, over 23 billion text messages are sent each day. It can provide a delay tactic to having the conversation right then (for example “I’m out at lunch, how about I call you in a bit?”) or you can try and have the whole conversation without having a phone call at all (“If this is about Sophie’s baby shower, then I think we should get the blue one. I’ve put $30 in your account“). Either way you can delay the conversation, or the need to have it at all. Risk: Repetitive strain injury.

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Facebook Message

Similar strategy here to the text messaging above but requires slightly more effort. You will need to log onto Facebook, log into your account, find said friend and send a message. Example: “Hey, missed your call, we are away for the weekend. Speak to you in a bit.”  Now this option could go two ways. If you are silent, then it may go in your favour. Your friend may assume that you were indeed busy and got online in his/her busy day to quickly to send this lovely message (lucky friend you are!). But if you are indeed posting trip updates, photos and are Facebooking everywhere all weekend, then you might be caught out for just not being bothered, and get a rude message in return of your own. Risk: Being caught out by not being busy enough. 

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I’ve been flat-out with a sore throat the last few days, and The Ginger Hunk has a cough. I feel that we are reinfecting each other without it leaving the house. Anyway I need to get my brain and my creative juices going because I have not been thinking much for the past few days and I’ve chosen a word tonight to write about to linkup with #fridayreflections finally, and the word is LUCKY. This is what Lucky means.

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