I have decided to start a blog tracking my financial path. My aim is to review how I can improve my financial position whilst also enjoying a relatively comfortable lifestyle.
A little about me first:
I am a 28 year old physiotherapist who lives in New Zealand. I studied in the UK for 3 years and worked there for another 2.
My partner and I decided we wanted to broaden our horizons and left our families behind and moved to Christchurch.
I never really paid too much attention to my finances during my early twenties. I was fortunate enough to have the NHS fund the physiotherapy degree I completed which allowed me to leave debt free (I worked in a bar to support living costs).
Upon leaving university, it was nice to have spending money but I didn’t overly splash out. I was oblivious to things like workplace pensions, savings accounts and money in general.
The only thing I did was use an excel spreadsheet to manage my expenses versus my income.
Since moving to New Zealand and getting closer to 30 I have had to focus on my personal finances. As per 90% of my age group, I am beginning to worry about mortgages, children and the future.
I’m June 2018 I stumbled upon FIRE (FINANCIAL INDEPENDENCE: RETIRE EARLY). You can read more about this here. I found the topic very interesting but the frugal lifestyle just was not for me despite the benefits. I enjoy my travelling and socialising with friends and family too much to cut back on all frills of life.
However, I have taken plenty of tips and tricks on board and that is what this blog is about.
I hope to share some of my experiences with my readers