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”

Could We Ever Return To a “Normal” Life?

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?”

Monthly Food Costs – Update #4

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”

How Our Journey to FIRE Has Strengthened Our Marriage

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”

Frugal Traveling Part II

I posted last weekend about some of the issues we had when traveling down to Florida for a funeral but I wanted to summarize the whole trip now.  My grandfather passed away so my sister and I planned a trip down there for the funeral.  Being so frugal (you might even say cheap) I was not willing to pay the asking price for last minute plane tickets.  As a result, we had a ton of added stress to our travel plans.

Continue reading “Frugal Traveling Part II”

When Traveling Fugally Backfires – Part I

Originally I was thinking I would just do one post about my recent last minute trip to go to a funeral but I figured I would do a mid-trip update.  My grandfather passed away this past week so my sister and I planned a trip down to Florida for the funeral and did our best to be as frugal as possible.  So far, this has failed and makes me wonder how much easier my life might be if I was just willing to shell out money every once and a while.

Continue reading “When Traveling Fugally Backfires – Part I”

Tax Time is Here

Are you the type of person that absolutely loves this time of year?  I mean, the whole processing of the tax return can be a pain but many people get money back so it can be pretty great.  Or do you dread the April 15th (or 18th this year) deadline as you know this means you have to write a big check to the good old US of A?  For us I don’t look forward to tax time but I also don’t really dread it. Continue reading “Tax Time is Here”