January 2020 Spending and Net Worth Update

Pre-tax Savings Rate: 10.30% For details on savings rate calculations and budget category breakdowns, see my Guide to Net Worth Updates. My January through April 2020 updates will be odd because my new job doesn’t start until the end of April, so I’m typically drawing down on savings. I know the goal of this blog is to sock away the dough, but until my sabbatical is over I’m going to be using said dough. Despite this, I managed to save money somehow this month – likely because of the large influx of side hustle orders. Income This first month of…

Guide to Net Worth Updates: Budget Categories and Savings Rate Calculations

Tracking Expenses After reading Your Money or Your Life by Vicki Robins, I began to diligently track every cent that came into or out of my life. I adore spreadsheets, and with a raw data sheet and liberal use of the SUMIFS function in various summary sheets, I made an epic workbook that not only tracked income and expenses in 196 different categories, but also reconciled my monthly credit card statements automatically. Hell yeah! For simplicity (and to see larger trends) I’ll only post 18 top-level expenses and 6 top-level sources of income in my monthly updates, but in this…

Review of “Your Money or Your Life” by Vicki Robins

Review of “Your Money or Your Life” by Vicki Robins

Introduction Vicki Robin’s book Your Money or Your Life is a classic in the FIRE movement. It was first published in 1992, but a new edition was released in 2018 (that’s the one I read). My library didn’t have a copy, so I waited several months to get my grubby little hands on it through an inter-library loan. After reading about it indirectly for the better part of a year, I was anxious to dive into the nitty gritty details of the (in)famous wall chart, and being the data-loving nerd I am, I have started tracking every penny in and…

How to save $10.99 to $16.99 per month off your Netflix subscription

How to save $10.99 to $16.99 per month off your Netflix subscription

Everyone I know has a Netflix subscription. And why not? It’s a cheaper choice than cable and it’s on demand 24/7/365. And even though our family is on the path to financial independence, we never really thought twice about the $13.99 we give away every month. Until today that is. It’s been about a year since we started minimizing anything and everything in our lives, and we finally realized we never applied our WIBIN (“would I buy it now”) filter to Netflix. Here are the facts: I have never in my adult life subscribed to cable, so Netflix isn’t saving…

Welcome to my journey!

I’m a married woman in my mid-30s with 3 young kids and a normal job. I found out about FIRE at the old age of 35, and I’m determined to FIRE before my kids leave the house. This blog gives resources for those starting FIRE late, and chronicles my own journey to financial independence. For the full nitty gritty details of how I found the FIRE movement, check out my About Me page. Thanks for stopping by!