Storage of All Our Worldy Possessions Under the House

When we were planning to convert our house into two units we had to leave access to the wiring and plumbing under the house. The existing access was through “the little red door” which led to a great workshop (man space). Most of the space was going to be transformed into a bathroom for the downstairs unit, but we were able to leave a shelved corridor with access to the rest of the under house. It was a shame to […]

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If You Have Debt You are a Doofus

If you have personal debt you are a doofus. Ouch! That was a bit harsh, let me rephrase that. Debt have you, a doofus you make. Offended? Good. That was my plan. I remember accidentally taking some money out of an ATM on my credit card. I thought I had taken it out of the debit part of the card. I was shocked to see that I had to pay interest on that money. I couldn’t pay that credit card off […]

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How We Visited a Country For Free

For three months, in 2010, we lived in the Chinese city of Zhuhai. We had our two eldest children with us and we (royal we) were pregnant with the third. We would often climb this mountain there which had an amazing lookout at the top of it. It was really magical. We could see the bright lights of Macau from there and thought we had to make a day trip there at some stage. We left earlyish in the morning […]

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Bargain Hunters Anonymous

For as long as I can remember I have always been a good saver. I would hoard my Christmas chocolate stash for weeks and savour every mouthful. Whereas my brother would get his chocolate and it would be gone by the end of the day. I didn’t understand that because there were so many nice things to eat that day. But if there was one thing that I inherited from my dad (I’m glad I didn’t inherit his balding) it was […]

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Living in a Warehouse

We enjoy living in a house, but we haven’t always had that luxury. A few years ago we used to live in a warehouse (That is the one in the picture above. The flash part). At the time, we were living in a nice (nice as in nice and big) 6 bedroom house that we owned. My old man used to sell 4x4s at a car yard he rented. It was a bit of a cruddy place, but it did […]

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Sacrifice to Start Being Successful

If I could only use one word to describe why we’ve been successful in becoming financially free, it would be the word, sacrifice. It’s seen as negative in our modern world, but you can’t be successful without it. What do you think about when you hear the word sacrifice? I used to think of it as negative (I guess it could be pretty negative if you thought of human sacrifice). Sacrifice is giving up something now to be able to […]

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Delayed Gratification Can Lead to Elimination

My son loves Lego. Actually, four of my kids do. I’m sure the fifth one will too when she is old enough to care. My son loves Batman as well. It’s his favourite of all the superheroes. So, when he saw a Batman Lego set that he didn’t have and almost could afford, he got really excited. He needed it. We were in Kmart at the time and he kept popping over to where we were to tell us about how […]

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A Biased and Unfair Review of the iPhone X

The new iPhone X looks amazing. So, am I excited about it? You bet I am. To see an Apple fanboy (or girl) drool over the new device is a sight to behold. It gives me so much pleasure to marvel at their devotion. I get yet another opportunity to mock them (I probably have too much time on my hands).   Sure some of those features are pretty cool. That face recognition thing is so needed. I mean what if you forget […]

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The Insurance Religion Scam

While spending time with a friend of ours, she asked us a question which we thought was a bit weird. What she said wasn’t overly strange, but a particular word she threw in made it interesting. We had given a financial freedom workshop and one of the attendees had talked to our friend. Our friend said that we had mentioned in our workshop that, “We don’t believe in insurance”. That was a funny way to phrase it. Saying it like […]

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Get the Financial Freedom Secrets Book FREE!

The Financial Freedom Secrets book reveals the general principles to gaining early retirement. My name is Dave Coss (aka Cossack). We have five young children and have traveled and lived in many countries. We mostly lived on a single below-average wage, yet we are wealthy and financially independent. How is that possible? I wasn’t entirely sure myself, but in studying what we had done, I have figured out that anyone can do it. We have done things a little differently […]

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