The Power of the “F-U Fund”

Mr. SFF calls it the “Go To Hell Fund” but I call it the “F-U Fund”.  But whatever name you use, it is basically the sum of money you have saved that gives you the power to just quit your job at any point, usually when you get fed up with one thing or another, without having to stress about buying groceries or paying your mortgage.  FI is pretty much a giant F-U fund as it means you don’t ever have to find another job but the F-U Fund often starts with having just enough money to give you the power to quit your job at any moment and survive without rushing into another horrible or unsatisfying job.   Continue reading “The Power of the “F-U Fund””

The Wonders of Gardening

Although winter is already in full force here, I figured I would do a little summary of our gardens this year and how we did.  We have a pretty small yard and only two raised beds measuring 2×6 and 2×8 so we are pretty limited on the garden real estate but we do try to make the most of it.  Over the past 5 years we have narrowed down our the vegetables that we grow to one that we have had success with and of course, ones that we enjoy.  This past summer we planted 3 varieties of kale, rainbow chard, carrots, green beans, and unsuccessful cauliflower and cucumbers. Continue reading “The Wonders of Gardening”

Climbing the Corporate Ladder

For almost two years now my husband and I have been on this journey towards financial independence/retire early (FIRE) so the thought of climbing the corporate ladder was not on the forefront of my mind.  After all, I am trying to leave the corporate world.  But last fall I was faced with a big decision, should I climb?

The company I work for is a two-person operation for day to day management even though we are under a larger company.  So when my boss, representing 50% of the workforce, pulled me aside last fall and told me he would be retiring in Nov of 2016 I had a huge decision ahead of me.  Should I take over? Continue reading “Climbing the Corporate Ladder”

A Free Weekend Getaway!

After very busy summer and even busier fall, last weekend Mr. SFF and I finally had an entire weekend to ourselves!  And what did we decided to do?  Get away from it all, disconnected out in the woods and it was wonderful!!

Mr. SFF’s extended family (his mother’s cousin) own a small little camp out in the woods.  He encourages family members to come out and use it as he lives out of state and can’t come up all that often but it often sits empty.  Apparently no one has used the camp for the past two years.  The camp itself is nothing special, just a small main room with double bunk beds, a small kitchen and small bath with another set of bunk beds but it has everything you might need for a relaxing weekend.  The thing that does make the camp special is the fact the Mr. SFF’s great-grandmother was actually born on the property (the original cabin burned years ago).  So there is history and the property is beautiful. Continue reading “A Free Weekend Getaway!”

Monthly Food Update – #9

Another month gone by in our journey and our food expenses look pretty much the same.  We went out three times which is more than I would like but two were special occasions and once was after helping my sister for a few hours and we were famished for lunch.

One dinner out was to celebrate our anniversary (happy 8 years Mr. SFF!).  My lovely mother in law sent us a check for $200 to celebrate this special occasion so that is exactly what we did.  We went out to a nicer restaurant and spent $133.48 for dinner, drinks and dessert (including tax and tip).  This was certainly a nice treat and something we would not have done if it were not for my mother in laws generosity.   Continue reading “Monthly Food Update – #9”

When Boredom Leads to Unhappiness

I have been a little absent from my blog over the past couple of months, posting very little of interest.  I am attributing this to my lack of down time at work and also being busier outside of work.  There are some changes coming up at work (more to come on this soon) and I have been busier which means less time daydreaming about what my life could be like without work.  It’s kinda funny that my husband and tell right away if I was busy at work or bored out of my mind as it has a direct correlation to my mood.  Busy most of the day and I am generally happy.  But if have time to twiddle my thumbs (ie: browse the web) I am usually less happy by the time I get home.

At the beginning of the year, especially right after our vacation, I was in a pretty big funk and the boredom at work really didn’t help.  At that time I crunched the numbers and if we worked really hard and the market cooperated (the big unknown there) I figured out it could be possible to reach FIRE (Financial Independence Retire Early) in 3 years.  We would certainly have to be extra careful but with some planning we could make it work. Continue reading “When Boredom Leads to Unhappiness”

Getting Your $hit Together

Have you ever looked around you and seen how messy the lives of people around you are?  There are many types of messes that I could refer to but I am specifically talking about money and general finance messes.  How years of poor money management, spending willy-nilly on every little thing you “need”, or completely ignoring the fact that in order to retire you need actual money to live can really create a huge mess for family down the road.  I have been seeing a lot of this around me recently and it makes me even more thankful that we have our own $hit together.

We haven’t done everything right, but we do have a goal and a plan and we are at the very least thinking about these things. Continue reading “Getting Your $hit Together”

Monthly Food Update – #7

I will admit that I have been slacking on my food logs recently, hence the delay in this post.  This past month as a little out of the norm.  We had a super relaxing vacation but then spent the following week changing over two apartments.  As a result I fell behind on logging receipts until there was a huge pile and often forgot to take photos of our meals.  Alas, that is life.

Costs this month are not quite as accurate as usual as we spent a week on vacation in Rhode Island.  We share a house with my mother in law, an uncle and all of our meals are generally cooked so thankfully dining out costs end up being fairly low.   Usually I am the one in charge of tallying the share of costs at the end of the week but since we left a day early this year my mother in law was the one in charge.  She never asked us to give her any additional money so the grocery store runs we made likely covered the cost of all of our food for the week.  For the purposes of this blog post I am just going to assume we spent an even $100 for the two of us for the entire week and broke it out between breakfast, lunch and dinner costs.  This could be off but is probably close enough.

Per the suggestion of one reader I added another page to my site with some of our favorite recipes.  These may not be the most cost effective recipes but they are some of our favorites in regular rotation.  I will try to add more as the seasons change and as different types of meals get added to our regular schedule.  When possible I might also try to add the average cost of those meals but I haven’t gotten there yet. Continue reading “Monthly Food Update – #7”

My 2016 Clothing Ban

No, I am not banning wearing clothes, I am banning buying clothes for the entire year, and possibly longer.  Well, I already purchased a skirt on super sale in January costing a bank account breaking $3.49, but other than that, I decided months ago that I am not going to buy a single piece of clothing for the entire year.

Why am I doing this?  Because sometimes I can get the urge to buy something for myself and although I have been pretty good since starting this journey towards FI I know myself well enough that having the actual goal, shared publicly here, would make it even more powerful and keep me accountable. Continue reading “My 2016 Clothing Ban”