Hello and welcome to my little space on the interwebs!
Money Miser is a blog predominantly focusing on financial freedom, personal finance and investing, but it will likely touch on other topics like travel, lifestyle, culture, psychology and all that other sheissen!
A little bit about myself. My name’s Andrew and I’m a millennial living in Vancouver, Canada. I’m originally from the UK and moved to Vancouver in 2012 on a bit of whim. It’s a long story and it’s been a bit of a rollercoaster since then. I’m now married, I have a Westie named George (in the photo!) and I’m a permanent resident (and soon to be citizen) of Canada. I work as an accountant, have a degree in business finance and I’m studying towards obtaining my CPA (yeah I know, boring as shit, right?). Hopefully, I’ll be done studying that by the end of 2018.
Ever since about 3 years ago I have been pretty obsessed with personal finance. How did this happen? Like many Canadians who have an interest in money, I stumbled upon the infamous Garth Turner’s blog, greaterfool.ca. As much as Garth can be a bit of an insufferable, stubborn, opinionated boomer, he has a knack of being right about a lot of things, and he opened up my eyes to the world of index investing. Ever since then I’ve been investing in ETF’s and I soon discovered the world of financial freedom through an insatiable curiosity of increasing my passive income. This has now evolved into my life’s goal with the ambition of retiring by the age of 40. Since I’ve just turned 29, there’s clearly a long way to go!
I realize there are now an enormous amount of financial freedom blogs for you to indulge in, but hey, I’ve always enjoyed writing and I feel financial freedom is still an underreported yet incredibly worthwhile topic. The more voices in this discussion the better!
Not Your Typical Frugalite
As much as financial freedom is about being frugal and maximizing your savings, I’m a little bit different in this regard. Whilst I value financial freedom and yearn to achieve it, I’m not some perfect financial freedom specimen like Mr. Money Mustache. I do spend money on unnecessary things at times and I do make lifestyle choices that detract from my goal of reaching financial freedom. I know I’m paying for these choices by delaying when I can reach financial freedom, and I’m fine with that! I’m not here to proclaim being the financial freedom Messiah, nor to judge you all about your spending. There are certainly areas in my life I can improve if I choose to do so, so feel free to give me shit for it. I’m content with my life, my spending and my targeted retirement date so I see no reason to change just yet.
That being said, there are many, many areas I do save a lot of money with very little effort at times, hopefully I get to cover these throughout this blog. In order for us to reach financial freedom by the age of 40, we have to achieve a savings rate of approximately 55% from here on out. This is pretty difficult in a city like Vancouver!
Not going to lie, I can be pretty opinionated at times and I’ve been known to ruffle a few feathers with some unpopular beliefs. I like a good discussion though and I’m always happy to consider opposing fields of thought. There’s nothing worse than somebody who constantly sits on the fence whenever a contentious topic is brought up, adding nothing to the discussion. What can I say? I like to push the envelope from time to time to ignite a fire up people’s asses.
So, What’s the Deal With Money Miser?
I’m hoping to use Money Miser as a one-stop shop encompassing all steps to financial freedom. I find some blogs struggle to really get the entire process across to their readers and some people might be a bit confused where to even begin. I’m hoping to clear this up a little and provide a structured approach using a business-like thought process. I genuinely think if people ran their life more like they ran a business, they would find they’re doing pretty damn well in the future. Many of us seem to slack when it comes to managing ourselves yet take great care when managing others. What’s the deal with that? Can you tell I’m an accountant? I can’t help but analyse and organize every last damn thing, pathetic. I know business can be boring as shit, but it’s actually pretty straightforward, and it works!
So if you like to engage in discussion, and hopefully learn a few things along the way, stick around and maybe make a few comments. There’s nothing worse than writing blog post after blog post to a silent audience!