My husband and I are working really hard to reach financial freedom in 3 years, so in 5 years we will hopefully be into our first retirement (we might go back to work eventually, as money dictates).
In 5 years I plan to be down sizing and eyeballing retirement. I have saved and invested all my life. I am well prepared to start drawing on my investment income while leaving the priciple intact.
In five years, one kid will have moved out (he's 21 now) and one will be in high school. The house will be almost paid for and the retirement accounts will be nearly full. Retirement will be five years away. We're actually doing quite well.
Talk about "dumb purchases". GoToob? Really? At $9 bucks a pop you can get the same basic thing at Walmart or wherever for $2. Just because someone had a great idea to make a lot of money copying a simple product and overcharging for it doesn't justify buying it.
Another addition to the list of coupon code websites is http://www.coupongot.com which is extremely helpful in letting you save money. They have a great collection, their coupons work 100% and they provide newbie’s with complete info about every single coupon that is available on their site.
I work at night so I get home late 11 or later. I take a shower and have a vodka lemonade if my night was stressful, otherwise I take a shower have a cup of tea and watch Craig Ferguson, Tavis Smiley and Charlie Rose on tv, then go to sleep after I am fully unwound!
I'm happy to see that I have already stopped buying 11 of the 13 listed items. We still rent an occasional DVD from kiosks. And we still buy paper towels (at my husband's insistence), but a lot fewer of them since I started keeping a container full of washcloths on the kitchen counter. In addition to the list, I'd love to stop buying boxed breakfast cereals (oatmeal is a lot cheaper and healthier), but my husband buys it himself. I'd also like to stop making coffee daily at home and reserve it for special occasions, but I can't get buy-in from hubby.
I agree with most of the things on the list but sometimes convenience outweighs the price. As a mother of 4 under 6 sometimes I am just so tired that the paper products and takeout mean I get to shave off 10 minutes from my day and it's worth it for me. True, when I am in Walmart and I'm buying a 35 count of paper plates for $3 that will last a few days in my house I'm cursing under my breath but ultimately some expenses are worth it.
Look, I completely understand what you're saying about the delivery charge being a hassle - but I hope you consider that gas is now hovering at $3.50/gal and someone is driving that food to your house. Ten years ago, when delivery was free, people were more generous with tips and we could afford to forego the fees. The pizza also cost more and was more profitable, so the business owner could afford to cover the delivery for the customer. But there has been a shift - cheaper-selling pizza made of more expensive ingredients, increased minimum wages and operating costs - and our response to the tightening of the customer's fist on their money is a forced fee. In order to do my job, I have to make enough money to cover my gas, wear-and-tear on my vehicle, and time. Please don't begrudge your driver the meager existence they make. Many of these folks work hard to get your food to your door, hot and on time. Many are doing this job after working their full-time jobs to pay their kid's college tuition, or supplement their retirement checks, or this is the only job they could get with their education level and they're very glad to have it.
I would like to have enough saved up for the down payment of a house.
To be living off one paycheck with a paid for home!
My husband and I are working really hard to reach financial freedom in 3 years, so in 5 years we will hopefully be into our first retirement (we might go back to work eventually, as money dictates).
My goal in 5 years is to have zero student loan debt between myself and my SO, and have paid for some bigger home renovations in caash.
Agreed except for the multivitamins. Vitamin supplementation is effective and recommended in many populations. Eg. Folic Acid, pregnant women etc..
Check out the December 2013 Research Review by Alan Aragon here:
http://www.alanaragonblog.com/aarrindex/
In 5 years I plan to be down sizing and eyeballing retirement. I have saved and invested all my life. I am well prepared to start drawing on my investment income while leaving the priciple intact.
I would like to be close to having my house paid off and starting to increase investments for finsncil independence.
I would love to have a down payment for a house on top of my emergency funds.
I want to have enough money saved for my son's college education
In five years, one kid will have moved out (he's 21 now) and one will be in high school. The house will be almost paid for and the retirement accounts will be nearly full. Retirement will be five years away. We're actually doing quite well.
We would love to have built up savings for our children's college funds.
Talk about "dumb purchases". GoToob? Really? At $9 bucks a pop you can get the same basic thing at Walmart or wherever for $2. Just because someone had a great idea to make a lot of money copying a simple product and overcharging for it doesn't justify buying it.
Another addition to the list of coupon code websites is http://www.coupongot.com which is extremely helpful in letting you save money. They have a great collection, their coupons work 100% and they provide newbie’s with complete info about every single coupon that is available on their site.
Thanks so much for featuring my glamping post. :)
I like to unwind with a cocktail.
I work at night so I get home late 11 or later. I take a shower and have a vodka lemonade if my night was stressful, otherwise I take a shower have a cup of tea and watch Craig Ferguson, Tavis Smiley and Charlie Rose on tv, then go to sleep after I am fully unwound!
I watch TV to unwind
I don’t have the means to make a video, but if I did it would be short. Life after debt means “freedom."
A glass of wine, a good sitcom, and a tasty dinner--there's no better way to unwind after work!
I watch tv
Another great company is: https://www.muchbetterpictures.com/pages/services/restauracion
They will restore and recover photos, not just to fix them but also to ensure they don't deteriorate or get lost.
I'm happy to see that I have already stopped buying 11 of the 13 listed items. We still rent an occasional DVD from kiosks. And we still buy paper towels (at my husband's insistence), but a lot fewer of them since I started keeping a container full of washcloths on the kitchen counter. In addition to the list, I'd love to stop buying boxed breakfast cereals (oatmeal is a lot cheaper and healthier), but my husband buys it himself. I'd also like to stop making coffee daily at home and reserve it for special occasions, but I can't get buy-in from hubby.
I agree with most of the things on the list but sometimes convenience outweighs the price. As a mother of 4 under 6 sometimes I am just so tired that the paper products and takeout mean I get to shave off 10 minutes from my day and it's worth it for me. True, when I am in Walmart and I'm buying a 35 count of paper plates for $3 that will last a few days in my house I'm cursing under my breath but ultimately some expenses are worth it.
Yes......Yes.....Yes!! Agree 100%!!
Look, I completely understand what you're saying about the delivery charge being a hassle - but I hope you consider that gas is now hovering at $3.50/gal and someone is driving that food to your house. Ten years ago, when delivery was free, people were more generous with tips and we could afford to forego the fees. The pizza also cost more and was more profitable, so the business owner could afford to cover the delivery for the customer. But there has been a shift - cheaper-selling pizza made of more expensive ingredients, increased minimum wages and operating costs - and our response to the tightening of the customer's fist on their money is a forced fee. In order to do my job, I have to make enough money to cover my gas, wear-and-tear on my vehicle, and time. Please don't begrudge your driver the meager existence they make. Many of these folks work hard to get your food to your door, hot and on time. Many are doing this job after working their full-time jobs to pay their kid's college tuition, or supplement their retirement checks, or this is the only job they could get with their education level and they're very glad to have it.