It’s said that success isn’t a straight line and the same can be said for the state of my personal finances. Having been quite strict with budgeting and saving, over the past six months I’ve found myself falling asleep at the wheel. I became more relaxed about using a credit card and found myself dipping into my savings as I began living paycheck to paycheck. We always had more than enough to pay our bills and mortgage and my superannuation funds continue to grow, however I wasn’t actually saving anything in immediately accessible funds, which made me feel like I wasn’t making any progress.   (more…)