May 20, 2012 - Cash Flow Generation    3 Comments

My Conscious Spending Plan in Action

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Welcome into my financial world. I am going to share my conscious spending plan with you. Firstly, you need to understand a little about my priorities. Outside paying my bills, I want to pay off my mortgage and travel.

My Conscious Spending Plan

5 Star Vietnam Luxury Birthday in Na Trang


This is why most things on my bucket list are travel related. I have a few things that I want, but they are well behind these two priorities.

My Conscious Spending Plan in Action


9% Investing for your Future (this is retirement savings)

From post tax income

41% Bills and Fixed Costs

48% Extra Mortgage Payment

3% Weekly Dinner Out/Entertainment

8% Conscious Spending (Travel)

On top of that, any extra income on top of that such as overtime gets split the following ways

30% Bills Account for an emergency buffer

30% Savings for a specific want

40% Conscious Spending (Travel)

This means that any extra work we do gets us much closer to our personal goals much faster, with a little bit of common sense thrown in to give us a bit of a financial buffer.

So what are your financial priorities and how do you fit your Dreamlines in with your day to day finances?


  • [...] Actually, it isn’t even chance to be honest. It has been a well thought out, well prepared plan that has now come to fruition. We have also saved every cent we have with steel focus for the past [...]

  • Hi Ty, I am a firm believer in spending more money on experiences and less money on things. About a month ago we took a road trip to see many of our friends and I can’t tell you how good seeing everyone and spending time with them was. It also happened to be a pivotal point in my life. I also think that a lot of people are so busy living life, that they honestly forget to spend the time to think about what they really want. So life flys by with no true direction. I am so pleased you are enjoying the blog. Stay in touch :o)

  • They key to this seems to be around having a want, and having the passion, belief and courage to pursue it.

    I read once that “most people’s problem isn’t that they don’t have what they want, it’s that they don’t KNOW what they want”.

    The link between these, I’d say, is thinking creatively – looking into ourselves (day-dreaming?) to find what new ideas inspire us.

    Why isn’t this natural, like it was when we where kids? (I blame TV lol).

    Great blog. Thanks.

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