Easy Budget

You are saving, investing, and out of debt now. You don’t really want to track every dollar. But you don’t want things to go sideways either, while you aren’t paying attention. Enter Easy Budget. Here is how it works. (Graph from my very first personal finance presentation in 2009!) Divide your spending into three categories. […]

February Expenses

We vowed not to buy any food this month. But ended up spending $283 for food- basically a spending freeze for a family of 7. Our cupboards, pantry and freezers were overflowing from stocking up in preparation for 5’s arrival. Then our amazing community flooded us with hot tasty meals! End result: we had way […]

The Joy of Low Earning Potential

Yeah, yeah.  We all know how great it is when you can pull in those high numbers. 50% savings rate almost feels easy when your combined income is in the coveted 6 figure status- or so I would assume. But there are two sides to every coin.   I firmly believe that achieving anything great requires […]

low income potential

“I’m finally willing to admit something about my life, and it’s this: I should have written in pencil. I should have planned lightly, hypothetically, and should have used words like “maybe” and “possibly”. Instead, every chance I got, I wrote something in stone and Sharpe.”  – Shauna Niequist

Not Early Retirement: Work Optional!

Early retirement. Financially independent (FI). Selfishly employed. Or Financial freedom. I don’t know what you call it. Around our home, we call it Work Optional. We are 33 and 38 respectively. And after a crap load of hard work, saving, investing, fixing up rentals, putting in some years with the military, we are work optional. […]

Financial indepance