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”→
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!”→
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”→
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”→
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.
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”→
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”→
Over the long weekend Mr. SFF and I went for a great bike ride enjoying the beautiful weather, time together and the extra day off. While riding around we went down some roads I haven’t been down in ages and there were all of these new developments going up. I mean, a lot of them. Some of the houses seemed reasonably sized while others seems pretty big. And as I passed all these houses I started wondering if I could ever go back to a “normal” life where I would desire one of these houses. And the answer is I am really not sure I could. Continue reading “Could We Ever Return To a “Normal” Life?”→
After another full month of tracking our food and grocery expenses I feel that we are finding a good system that works for us. Are we still spending more than the average family? Maybe. But we are saving a ton of money compared to our 2015 food costs and still eating healthy.
I am still doing meal planning on Sundays and find that this is the key to making this work. I usually only plan meals through Wednesday and then do a mid-week plan for the rest of the week. Although this is not my favorite part of the day on Sunday I do find that there is a lot less stress mid-week when it comes to food so it has been worth it. Here is my meal plan from last week. Continue reading “Monthly Food Costs – Update #4”→
The divorce rate in the US has statistically been high in over the past few decades. For a while it was believed to be around a rate of about 50% although new data (thankfully) shows this number has actually declined. Now there are many reasons for divorce but a couple of the consistently top reasons are money and communication. For the SFF household though, this is certainly not the case.Continue reading “How Our Journey to FIRE Has Strengthened Our Marriage”→