Yup, its not even summer and we have already purchased our seasons passes for next winter. Mr. SFF and I love heading to our favorite local mountain Smuggler’s Notch as often as possible once the snow flies. We have had a seasons pass there for the past 13 years and next year will be no different.
As I have previously mentioned, we currently own a duplex and rent out the other half. We have been saving for another investment property and I will casually browse the listings to see what is available and we have even checked some out. Unfortunately, they are pretty expensive so we need to save a little more to make sure we have 20% down plus closing costs and still leaving us a cash reserve. I read a lot of blogs and get complete envy over the real estate pricing that other people talk about. I see people buying single family homes for less than $100,000 and 4-plexes listed for $150,000. This is so discouraging for me Continue reading “The Real Estate Blues”→
OK, well freak might be a strong word but in addition to being increasingly frugal, I am also a fitness nut. Yes, I actually enjoy exercising most days and I love the results of being fit and in shape. Although I have always been active, last year my fitness activity increased and I am in the best shape of my life (in my mid-30’s none the less).
Today I rode my bike to work for this first time this year. Last summer I made a casual goal of riding once per week but was only mildly successful. I am going to try again this year to see if I can make this happen. I mean, Mr. SFF does it every day, year round, rain or snow, so I should be able to do it, right?
Today is payday and normally a day I do a little happy dance (well, not an actual one dance but it is why I sit at a desk for 40 hours a week). But have you ever looked at the gross amount amount of your paycheck and compared it to your net amount felt immediate depression? Yup, that happens to me. I am not raking in the money but I make a livable wage. Unfortunately after all of the deductions are taken out I am left with such a small amount that it is really kinda sad. Without giving you the exact dollar amount of all of my hard work, here is a breakdown of things based on percentage of gross.
All businesses have the goal of making a profit, otherwise they will not survive in the long term. To get an easy snapshot of a business’ health you could look at their Profit and Loss Statement. If every household ran their finances like a business, I bet people would have more savings and less debt. I will admit that I only recently started to actively track my income and expenses (thereby creating my own P&L of sorts). I previously would log in to Mint and see my spending there but it was not until I had my own spreadsheet where I spent time entering my data that I really had a full understanding of how much money I was taking in and where it was all going.
Yesterday was just one of those days where by the time I got home, I had wracked up some receipts. One was necessary, the others were more of a “want”. Here’s a rundown of my day.
My Car – The Necessary Expense
I have a 2007 Honda Fit with approx 98,600 miles on it. I do my best to take good care of it as I want to drive it for another 100,000 miles. My braking was starting to feel strange so I dropped it off at the Continue reading “Life (Expenses) Happen”→
During the warmer weather, I will often take my lunch break outside at the picnic table. Our building is on a busy corner so it is not the quietest place to sit but it is still outside in the fresh air and most importantly, away from the office. Spring took a long time to get to our area so today was the first of the season that I was able to enjoy my picnic lunch.
Out of the 70+ people that work in my building, I am only one of a handful of people that take advantage of the picnic table. I guess this is another reminder that I am different than the norm but it works for me as there are less people to share the space so I can quietly read. Happy Friday!
I am a little late with this post but one of the important things about this blog for me it to track how I am doing. If I can see the progress I am making then I am more likely to keep with it. When I plugged my numbers into my budgeting spreadsheet this month I was actually a little excited as I was able to save even more than March. If I can keep this up I should be able to have freedom from the 9-5 job in 9 years (but hopefully earlier).
I still have automatic transfers to the joint savings twice per month (increased from last month) but as I spent less than my target budget I had extra money left at the end of the month. When I mention my “target budget”, Continue reading “Savings Update – April”→