About Me

In 2011, at 21 I moved out of the family home and into a very reasonably priced unit in Sydney, Australia that I purchased with a deposit and a $254,000 mortgage.

At the time, I checked, rechecked and triple checked my numbers to make sure I could afford the repayments, utilities and food. I had estimates of what my bills would be but this wasn’t good enough. I needed the exact bill figures down to the cent to be completely comfortable.

Once I was absolutely certain of my financial position there was only one thought on my mind.

“I am going to repay this loan as fast as I can.”

In 2017, at age 27 I paid out the mortgage in full. I am now 100% debt free.

I accomplished this by earning a regular income and contributing the majority of my income to paying off the mortgage.

It wasn’t easy but it also wasn’t hard.

I made sacrifices and questioned myself along the way. I made mistakes and I have regrets.

One thing I definitely don’t regret is owning my home outright. It was definitely worth it.

My next goal is the option of early retirement. I am now busy increasing my net worth to the point where the income from my investments will fund my lifestyle, forever.

I decided to make Nitty Gritty Finance because I want to help people improve their financial literacy, knowledge and attitude towards money.

Of course, I can’t ask you to listen to what I have to say without putting my money records where my mouth is.

So I, the Nitty Gritty Financier will strive to always give you exactly what you want.

The Nitty Gritty Details.