3rd Quarter 2021 Update

There is only a 1/4 of 2021 to go! This last quarter has come by quiet quickly, it doesn’t feel that long ago I was doing the update for July.

Fresh morning walk along the beach ❄️

We have been pretty busy the last few months, we had our holiday up to Kalbarri, completed our tax returns which has given our savings rate a bump, increased our super and home loan payments, signed up for a rewards credit card.

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2nd Quarter Update 2021

This 2nd Quarter has gone past fast! It only feels like last month I was doing 1st Quarter update.

We have been quiet busy, We have had all 3 kids birthdays, been to the aquarium and have had pretty nice days for winter so far. So we have been outside making the most of it!

Although we didn’t buy new couches or dining tables this quarter, we had other expenses like yearly car registration x2 and increased home repairs. The savings rate has actually come out exactly the same.

Time to update our progress..

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1st Quarter 2021 Update

2021 has been a great year so far, except for the 5 day snap lockdown in February. We have had plenty of nice warm weather for beach and parks. We have just got back from a 2 night anniversary (kid-free) holiday to Margaret River.

Sunset at Surfers Point, Margaret River

We do have some extra retail spending, we bought our first couch and dining table $-4,650. Not bad if averaged out, considering we have had a free second hand couch and dining table for the last 12 years!

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Annual Spending & FI Number

First 12 years of my adult life!..

I have been tracking our expenses for just under 3 years. This has been a key tool in fixing our financial outlook.

Using our annual spending and estimating future years we can work out our financial independence number.

This is all speculations and a bit of fun, we will have to wait to see what our actual spending and real returns are.

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