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Category: Late Starter

Do you feel that you are a late starter in terms of saving and investing? Have you left saving for retirement too late?

Take a look at this 10-part series from a real guy who we’ll call Journey Man. Our Journey-Man is in his late 40’s, married with kids, has a lot of debt and has come to realise that he needs to change things.

Follow the series as Journey-Man assess his situation, shares personal experiences and learns about personal finance basics.

It’s easy reading, relatable and informative.

Let us know what you think.

Personal finance for beginners

Personal finance for beginners

by Journey Man20 November 202025 February 20212 Comments

Been a Late Starter I've really had to learn about personal finance for beginners. This is me. Learning the basics, undoing the bad habits and striving for better financial control! This is the last post in my series on being…

Read More Personal finance for beginners

Financial Habits, Late Starter debt free, take charge
Saving for emergency fund

Saving for emergency fund

by Journey Man19 November 202019 November 20201 Comment

Given the vast amounts of information already out there, you may be asking if we really need another article on saving for an emergency fund. I worked out this week that when life happens, and the nonsense hits that fan,…

Read More Saving for emergency fund

Financial Habits, Late Starter emergency fund
I have no self control

I have no self control

by Journey Man19 November 202019 November 2020Leave a comment

Hey fellow traveller, it’s me again, Journey-Man and we need to deal with the tough topic of self-control. Let's just put it out there, I have no self control when it comes to spending. I like to think I have,…

Read More I have no self control

Financial Health, Late Starter spending plan, take charge
Credit card debt

Credit card debt

by Journey Man18 November 202030 March 2021Leave a comment

In my war on debt, my credit cards are Public Enemy #1. I’m convinced I should never have had a credit card. As far as I can tell credit card debt is a cancer, robbing us of the future we long…

Read More Credit card debt

Late Starter, Pay off debt credit card
Tracking my expenses

Tracking my expenses

by Journey Man17 November 202017 November 2020Leave a comment

I decided that in order to build (improve, encourage, regain) self-control in terms of my spending habits, I need to work on my discipline. Sounds scary for some reason LOL. I can't believe it, but I have actually started tracking…

Read More Tracking my expenses

Financial Habits, Late Starter expenses, keep track, spending plan
I need to track my progress

I need to track my progress

by Journey Man15 November 202015 November 2020Leave a comment

Hey, it’s me again, the Journey-Man. I spent some time this week looking back and realised that I need to track my progress. I need to make sure that I haven’t forgotten (or ignored) any of the valuable lessons I have learnt.…

Read More I need to track my progress

Late Starter Goals, track
Knowledge vs Doing

Knowing vs Doing

by Journey Man8 November 20208 November 2020Leave a comment

I was listening to someone this week, talking about knowing vs doing. Talking about living life the way we should, and he mentioned ‘Passion’. He said that we need to live our lives purposefully, with passion. I know exactly what…

Read More Knowing vs Doing

Financial Habits, Late Starter Budget, emergency fund
No fear

No fear

by Journey Man2 November 20202 November 2020Leave a comment

Now that I have come to terms with the reality of having a problem with my finances, I intend to do something about it. This is going to be tough but I need to tackle the challenge. Have no fear…

Read More No fear

Late Starter Habits, real life
Knowledge is power

Knowledge is power

by Journey Man30 October 20202 November 2020Leave a comment

It’s Journey-Man here again, the late starter! What a strange week this has been. Last week, as a late-starter, I decided to start thinking deeply about my financial life. I want to find out what the outlook is, in terms of…

Read More Knowledge is power

Late Starter knowledge, plan, take charge
Starting late to save for retirement

Starting late to save for retirement

by Journey Man30 October 202015 June 2021Leave a comment

Are you one of the many folk who are starting late to save for retirement? Wondering whether you may have left it too late in fact? You're not alone. I've got a story for you... This is the first of…

Read More Starting late to save for retirement

Financial Freedom, Late Starter retirement

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Taking charge of your money has nothing to do with how much money you have, but rather how and where you spend it. Are you in charge or is you partner, spouse or habits in charge? Do you feel like money simply flows out of your account, or are you in control of what is spent, and where?

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