Beginning my financial journey

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

3 Replies to “Beginning my financial journey”

  1. Let me be the first to comment 🙂

    I started my blog in April 2017, wrote a bunch of posts but was never happy. When I did a count today, I realized I only posted 3 crappy posts total. Fast forward to a year later, I finally just started blogging again. So I’m new too.

    I’ve always been good with money and have never balanced a checkbook or using excel sheet. I’ve always wanted to retire early. This concept is not new to me, but I just stumbled upon the FI/RE community this last week.

    It forces me to take a whole new look and approach if I want to achieve my goal. You’re doing really good with zero debt!

    1. Hey Kelly, thanks so much for the comment. From reading other people’s blogs it seems like we just need to post our own stories and hope others relate.
      I’ll bookmark your blog and make sure I check out your journey.
      Having a blog might help me to stay strict with my finances😁

  2. Well, on the bright side. You are the same age I was when I first started investing. Actually, I was 29, so you are well on your way. Good luck on the journey

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