Moomin Valley

Each year, I report on income and spending for the Australian financial year, which runs from 1 July to 30 June. This makes it easy to do a ...

I updated the I Will Teach to Be Rich Conscious Spending Plan that I last did more than a year ago . I used data for the 2024-25 Australian ...

I bought my existing phone, a Google Pixel 3a, just before the pandemic in early 2020. The battery has less and less life, it only has 64GB ...

About a year ago, I got scammed for more than $2,000 . I managed to get the money back from the merchant and only had foreign exchange conv...

  As the Sydney Morning Herald personal finance newsletter, Real Money , is featuring car expenses this week, I was curious about how much ...

This was a better month, ending with us outperforming all benchmarks apart from the ASX200 and MSCI. Spending hit almost AUD 25k this month,...

For the last seven years I've been putting together reports on our spending over the Australian financial year, which runs from 1 July t...

In January, I posted about how much of investment returns were being taken up to cover the effects of inflation . I fitted a quadratic curve...

As Ramit's Conscious Spending Plan says that we aren't doing enough "guilt-free spending", I booked a trip to Queensland ...

I like to watch Ramit Sethi's podcasts where he has an in depth discussion with a couple about their finances. These sessions usually ...

  This year's home contents insurance bill is 70% higher than last year's! How does that make sense? The number I am comparing to is...

If we retired today, how much would our retirement income be? To answer the question, I updated an analysis I did a few years ago and came u...

Today I received new format gas and electricity bills from ACTEWAGL which include a notice on the front page that we can reduce our bills by...

In Australia, if you don't get private health care when you are younger, if you finally do get it you have to pay an extra "loading...

For the last six years I've been putting together reports on our spending over the Australian financial year, which runs from 1 July to ...

Ramit Sethi advocates only tracking about four categories of spending and is critical of couples who do more fine-grained tracking . For the...

Our utilities spending category had been rising strongly over time and so I decided to split out the "subscriptions" component: Th...

 This is why I have been concerned about saving money recently: I'm currently forecasting that this year comprehensive after-tax income...

This blog hasn't really been about saving money in terms of spending less. But facing a year with negative returns and maybe even a fall...

Spending on childcare and education is by far our largest spending category now and has gone up steeply. We are now at AUD 47k for the last...