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Also, I note you have done LOTS in such a short time frame.... well done on that!!

Thanks for sharing marky mark :)... I will definitely give it a go :). Mona

@ Jane thnx for sharing,... will give it a read.

@Wobbycarly We want to purchase properties in our own names - but haven't really thought of what we happen should our life directions change. By doing it together I mean we bounce ideas of each other and help each other out with finances should there be a need. e.g. i bought my PPOR last year...

@Marky Mark Thanks heaps for the link... I really need to get cracking on the goal setting - I want to just pick a numbr for passive income I want (to replace salary/wages) - but sometimes 'fear' creeps in and I wonder whether I am being realistic...I will start anyway - if its worked for...

Marky mark Would you please share the link? I need to start setting my goals too... but don't know where to start. thanks Mona