To begin...

My parents were hard working migrants with middle class backgrounds and ideology. They tried to raise us with a sense of what is proper and fair.

I remember when I was quite young I found a purse with money and papers all there. The lady lived close by so my father and I walked up and returned the wallet. The lady offered me a reward which my father instantly refused on my behalf.

May be it was the start of that feeling that you aren't worth much. I don't know. May be one day I will find out.

What my parents didn't do was teach us about money. An omission that is repeated daily in Australia and I would guess in most parts of the world.

My father died when I was just about to go into my teens so he may be excused to some extent. But then he didn't teach my two older sisters either.

Both my parents lived in the proverbial hand to mouth environment. Work hard, pay your bills and save what you can which almost invariably was little or nothing (particularly with three kids). If money was short they simply worked harder which of course meant longer. Overtime or a second/third job.

No wonder then that I didn't really get any financial education.

I have always maintained that in Australia at least you are free to raise any topic of discussion you like...affairs, religion, politics...but the one taboo subject is personal finances: the ultimate rude question..."how much do you earn?". 

If that is true then how are we supposed to learn about financial matters and specifically wealth creation for ourselves and our family?

This blog is a chronicle of what I l;earned and how I learned it. If it helps you get yourself organised, great.

Comments are welcome.

My disclaimer: I am not a financial adviser nor do I pretend to offer financial advise.