One thing that always grinds my gears is the complete lack of education options in relation to personal finance, both here in Canada and the US as well as back in the UK. Individuals often get thrown into adulthood having to make serious, often life-long financial decisions, then they’re readily blamed for making poor ones and suffer a life of struggling to make ends meet, sometimes drowning in debt from the moment they leave education’s womb. What else is to be expected when personal finance is barely even mentioned during adolescence?
Rather than complain though (I’ll save that for later), my mind wandered to the age old adage “if you’re not part of the solution, you’re part of the problem,” and that lead me down this path….
Hello and welcome to my blog! I have created Money-Miser.com to be an all-encompassing personal finance/FIRE blog. Whether it is reducing debt, budgeting, increasing savings, investing in real estate/stocks or simply improving your personal finance acumen, Money-Miser.com will be here to lend a helping hand (and arm, and leg, if need be).
A little bit about myself. I’m a 28 year old guy living in Vancouver, BC (yay nature, boo expensive housing). I moved here from the UK in 2012 after finishing my bachelor’s degree in Business and Financial Management and quickly fell in love with all BC has to offer (except the cost of living). Nowadays I work as an accountant for a not-for-profit whilst studying for my CPA. I’ve taken a very keen interest in all things personal finance over the past few years, and I frequent various financial blogs on a daily basis, vacuuming up all the knowledge in order to improve my own financial situation as best I can. In particular I’ve focused my efforts on FIRE (Financial Independence – Retirement Early) and my goal in life is to be able to retire early with a passive income large enough to cover my living expenses. Whilst I’m still learning new techniques each and every day (I’m a firm believer in learning to the day you die), I feel I have a strong foothold in regards to money, and wanted to create a platform to hopefully help those in need of a little bit of motivation.
I’m recently married and my wife and I just adopted our first pup. His name’s George and he’s a Westie! My wife isn’t so keen on personal finance, but I drag her through it as I know she will be kissing my feet when she’s got the option of retiring 20 years before most people! (She glared at me upon asking for permission to use this sentence)
One thing I’ve noticed while reading through various personal finance and investing blogs is the blogger often focuses heavily on one aspect of personal finance, but often fails to cover many other aspects. I also find many of the blogs highly disorganized, where it’s often very difficult to actually follow a linear path of learning. I’m hoping to make Money-Miser a source encompassing all steps to financial freedom, from creating your first budget, looking for areas of improvement, methods of reducing debt or increasing your savings rate and finally how to best invest your money in financial assets. I hope to organize this in such a way that you can clearly see the steps necessary to reach your financial goal.
I consider myself as an “average Joe” in all manner of things in life (including combined salary), and I feel it will be helpful to anybody wanting to learn about how to improve their own personal finance situation to have somebody they can relate to. Now I’m not here to say “don’t listen to XYZ as they are not like you on a socio-economic level”, it’s more so to just provide a more relatable scenario than a Wall Street Banker, Computer Engineer, Consultant or Tech Guru. For me, retiring early is not in my 30’s like many of the bloggers, it might be late 40’s or even 50’s, but every year before 65 is another year of my life claimed back from corporate drudgery.
I’m going to be very frank and open throughout this blog as to my own personal situation and our journey to financial independence. Unlike a lot of bloggers we’re nowhere near retirement, but that doesn’t mean we don’t know how to get there. With a long-term goal and some small adjustments to our quality of life, I know we’ll be there earlier than the vast majority of people.
If you’re interested on joining us in this journey, stick around. I’ll be creating various series of posts relevant to your situation. Whether you are currently struggling to get debt under control, sick of living paycheck to paycheck, looking to increase your savings or planning on investing in the market, I’ll be covering all of these topics in detail throughout.