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Zero Waste Swaps
Howdy everyone! More and more we are learning just how crap plastic is for the environment. My journey with reducing waste has been one of trial and error. Living with 3 other girls at University made me realise just how much my actions had in impact (no shade – love my Dunedin flatties 😊 ). While they used body wash, I used bar soap. While they used bottled shampoo, I used solid shampoo. I realised at the end of the month how much waste was going into our recycling of theirs compared to mine. It has been slighter harder to navigate the zero waste journey with living…
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My Dave Ramsey 7 Baby Step Journey
Kia Ora, As part of my financial freedom journey I discovered Dave Ramsey and his 7 baby steps. Many of you would be familiar with Dave Ramsey but if you are not, he believes the steps to becoming financially independent are: Save a $1000 starter emergency fund Pay off debt Save up for 3-6 months of expenses Invest 15% of your income for retirement Save for college for your children Pay off house Build wealth and give If you follow Dave’s Instagram page, it’s clear to see that people are having tremendous success with his program. I have been loosely following it too. What some financial…
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How I got rid of nearly $20,000 worth of debt!
Howdy! You’ve probably read the title and are here to find out how I got myself into this pickle (pun intended) Well here’s the tea…….. *going back in time to 2015* I had just graduated from the University of Otago and was about to leave New Zealand for the Disney College Program. Costs associated with getting to the US: $2500 – Overdraft for my Canon 600D $4682 – Flights and spending money….Thanks, Dad! $1000 – Spending Money….Thanks, Mum! $500 – Legal costs, applications, visas (ad-hoc) etc. $400 – Disney Fees….Thanks, Meena! $1500 – US Health Insurance Total = $10582 Now, this was before I even got…
