It’s the end of the year again and time to reflect on what Panzer has achieved (or not) during the last 364 days of 2009 in his journey towards financial freedom.
Living within your means
Ever since Panzer started his Excel expenses worksheet. He has recorded to around 98% accuracy most of his expenditures. His approach has been to take a cash flow approach, i.e. he records when cash goes out rather when expenses are accrued for simplicity sake and also to give a gauge of how much cash (life force) flows in and out of his life. Continue reading