About

Welcome to But Wait There's Less. You've probably guessed what inspired the name.

It starts with the infomercials

It's their catch-phrase. "But wait, there's more" they say, knowing how that lures us in.

Does the "more" bring any extra value. It seems not to matter. We've been conditioned to think that more must be better - so out come the credit cards.

They say it every time because it works every time.

The "more" world

It seems there's no problem for which the answer is not more. Buy more stuff, you need more space. Buy a bigger home, you need more debt. To pay off more debt you need to work more. More income also means more of it goes in tax.

More work means more time away from friends/family. More spent on childcare. More of our life traded away for dollars. More of our life spent complaining about the boss/work we don't like.

Does "more" make us happy?

Often we just have more clutter, more maintenance, more debt, more stress and more worries. Perhaps it's time for a different way.

A life of less

We've reached the point of realising that generally less is better. Less clutter. Less stuff. Paying less for a home. Spending less time at work. Less stress. Sounds good doesn't it?

Who are we?

My name is David. My wife and I discovered just how much stuff we had (way too much) when we got married and combined our apartments into one. How on earth did we accumulate so much stuff?

Jerry Seinfeld is right - it makes senses that the words garage is almost the same as garbage. It's the place we put those things that will be handy "someday" (ie. never).

Our declutter

We discovered joy in decluttering: extra space in the home, the cash from selling unwanted items (grab my free ebook of tips), and the joy of someone else appreciating the item we give them. It's been said that decluttering is getting rid of what you don't want, minimalism is discovering how little you need. That's probably where we are now.

Minimalism

It's not about depriving ourselves, it's about discovering what brings us value. Spending less time and money on things that don't really add value to our lives (even if advertisers insist they do) frees us up to focus on the things that do.

Finance

Recently I've also been sharing what I learn about finance. The better we manage our finances and invest our savings, the less dependent on work we can become. It's amazing the difference that a few small changes can make.

If you'd like to follow our journey, subscribe to my monthly-ish email or follow us on facebook.

Comments

The real cost of owning a car

It's been about 10 years since I've owned a car. My wife doesn't own one either. "You must save a lot in petrol" That's one of the frequent reactions when someone discovers we don't own a car. "Of course, but it's just the tip of the iceberg" is the usual theme of my reply. Many people I've talked to just aren't fully aware of the real cost of owning a car. Or even that there are six different costs of owning a car. Six? Really? Yes. Occasionally a work colleague or friend will boast their car only costs $X per week. Of course it turns out only some factors have been counted. Sometimes it's just petrol alone. To some people, that feels like the only cost they pay each week. Why does this matter? You might be questioning the need for a second car in the household (or even having one at all). Or you might just be choosing which car to get next. Either way, to make an informed decision we need proper information. So let's look at...

How much super will we have?

Will we be OK in old age? How much will we have? One of the great things about living in Australia is superannuation. Our employers are required to pay into an investment account for our retirement. In recent times, my wife and I have been in several conversations with friends who are wondering (or worried) if their balance will be enough. That's what inspired this article. Great question It's a great question to ask, especially around the age of 35 to 40. At that point, old age is less of a distant abstract concept. It's becoming a medium-term reality. At 35 the number of years of living off super is possibly more than half of your remaining years. At 40 you may consider yourself about half way through your working life. Looking at your balance, it's easy to think that twice that balance may not be enough. Read on, because I have good news for you. It's better than you might think As I've mentioned in earlier posts, compound growth means the investment grows f...

Less Clutter More Cash - now available

Do you feel like you have too much stuff? Is your home full of things you never use? Would you like to swap them for cash? We did My wife and I have sold more than 550 items online as we downsize and we've learnt a bit along the way. I've put some of our best tips into this handy ebook. I hope you can use these tips so you too can have less clutter and more cash. Enter your email address below to receive the book for free. Less Clutter More Cash Get my new ebook for free. PS. This will subscribe to the But Wait There's Less email list, so you'll know when the new updated version of the book is available. You can unsubscribe at any time.

But wait... there's less!

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