Design your Financial Freedom

Money Talk Ceylan & Alfie

‘We decided to purchase our catamaran as ‘basic’ as possible’

In ‘Money Talk’ readers who have chosen a different lifestyle, share their finances with us. This time, it’s sailing couple Alfie & Ceylan’s (both age 30) turn to give a glimpse into their money mindset. They were able to buy a catamaran – a new 40ft Fountaine Pajot – last year and are now prepping to cross the Atlantic. ‘We are completely useless at budgeting. And of course, as always, we spend way too much money on cocktails and eating out.’   Who are you and what do you do? Hi, we are Ceylan & Alfie, and we sail a […]

What does Pay Yourself First mean


Plenty of people struggle to pay their bills, mortgage, and all other expenses that they might have. As soon as a bill arrives they pay it. However, there might be someone you’re forgetting to pay – yourself. Funny, because you are more important than any creditor, right? Pay yourself first isn’t groundbreaking and pretty simple. So, what does pay yourself first mean? The benefits of pay yourself first are often not getting enough attention. And that is a shame because paying yourself first is an ideal way to set yourself up for financial success. In this blog article, we describe […]

Monthly expense overview February

Monthly expense overview | February 2021

Another monthly expense overview from the water. In this blog, we will cover the expenses we had during the month of February 2021. It covers how much we spend on groceries, eating out, maintenance on the boat, and all other costs associated with our sailing lifestyle. If you are curious about what this lifestyle costs us, you will like this monthly expense overview. About tracking our expenses Ever since we started our new lifestyle, sailing full-time with our Lagoon 42 catamaran, we have kept an overview of our monthly expenses. There are two main reasons why we do this and […]

Creative ways to save money

14 CREATIVE ways to SAVE money

If you are looking for creative ways to save money it is smart to use the double win approach. With this method, you create an extra incentive for yourself to stay on top of your game. In this article, we explain everything about the double win and give you 14 creative ideas to save money using this approach.   How to save money Saving money is essential in getting yourself to financial freedom. If you are keen to live a financially independent life, cutting expenses is actually more important than earning more money. We explain why this is the case […]

How to create an online course

How to CREATE an online COURSE

An online course is a great way to create a passive income. In this article, we cover how to create an online course and give the ultimate tips to create your own online course, including the best platform you can choose for your online course. Creating an online course is a great way to invest without having money in the bank. An online course is all about investing time. This will convert into passive income later on. If you consider making money online by sharing information on a subject you are interested in, this article is a great resource. There […]

How MUCH should I have in SAVINGS

How MUCH should I have in SAVINGS

It is always smart to have some extra money on hand. With this money, you can have your buffer for any unforeseen expenses or a financial setback. You can save money for the short or the long term. Short-term savings are more focused on major expenses that can happen sooner, such as a new car, saving for vacations, or a new washing machine. For the longer term you can for example save for your early retirement or use your savings to pay off your mortgage. Partly because of this difference in short and long-term savings, many people wonder, how much […]

5 tips for financial independence retire early cover

Financial Independence Retire Early Tips

Financial Independence Retire Early also known as FIRE is a lifestyle movement where people save a large part of their income intending to retire early. This movement is growing rapidly and is especially gaining popularity among millennials. In this blog, we want to give you 5 financial independence retire early tips that may help you to reach FIRE.  How does financial independence retire early work? The FIRE movement suggests saving a minimum of 50% of their income. Ideally, it’s advised to save 75%, which is a huge amount. The money saved is then invested and used for early retirement. The […]

Money Talk Katelin & Andrew

‘It would be great to have more passive income’

In ‘Money Talk’ readers who have chosen a different lifestyle, share their finances with us. This time, it’s sailing couple Katelin (30) & Andrew’s (36) turn to give a glimpse into their money mindset. ‘It would be great to have more passive income, like a rental property’.   Tell us your story. Who are you and what do you do? We are Katelin (30) & Andrew O’Shea (36) from Australia and Ireland and we live aboard a 1985, Westerly Seahawk. Neither of us went to University and have both been in employment from when we were very young. Andrew qualified […]

our monthly expenses January 2021

Our Monthly Expenses for January 2021

First monthly expense overview of the new year! Welcome to 2021 and to our monthly expenses for January. The new year is always a bit special, like a blanc piece of paper that has all these stories to be written, while you have no idea what they will be. Well, at least you can be assured that we will blog about the cost of sailing our Lagoon 42 catamaran.  We decided to keep track of our expenses because we get such positive feedback on our monthly expense overviews. A lot of you really like reading them and we like writing […]

Five reasons why financial freedom is annoying

Five reasons WHY Financial Freedom is ANNOYING

Yes, we could write a blog article after a blog article about how amazing life is when you achieve financial freedom. And it all will be true. Of course, living a life without having to worry about money is a huge luxury. But that doesn’t mean that there aren’t any downsides. There are! In this blog, we will share the five reasons why financial freedom is annoying. We share the five reasons why financial freedom is annoying not because we want to complain. We do, however, want to paint an honest picture about achieving financial freedom. To show you that […]