Tuesday, August 4, 2015

Financial Freedom - July 2015

I recently (better late than never!) came across a couple of blogs that I really enjoyed on personal finance:  Root of Good and Mr. Money Mustache.  Both blogs focus on early retirement and different techniques to become financially independent - my goal numero uno.  Mr. Money Mustache has a way of conveying to readers the proper mindset one needs to go down this path and the differences between those who achieve this goal and those who do not.  My favorite part of Root of Good is the financial update and transparency he provides into his family's financials with monthly updates. 

After being inspired by these two blogs of men who have successfully obtained financial freedom, it occurred to me that, while it is extremely beneficial to read about the reflections of those who have succeeded, it may be even more beneficial to document the journey as it unfolds.

I have made a number of financial mistakes throughout my life and, while I am not proud of them, I have learned many valuable lessons along the way.  I was determined to get out of the hole and resolved to reach financial freedom and obtain the life free of the chains of money I dream about.  I began reading everything I could about investing and personal finance, studied successful people and their habits, and began reforming my lifestyle.  Check out my "Good Reading" page for some suggestions.

Even though I've been in the workforce for some time, I have finally reached the point where I need to make a change - hence, the beginning of my quest.  With a child due in the coming weeks, my priorities are completely with my family.  I want to be able to spend as much time with them as possible and working 10 hour days for someone else is not the answer.  Here's a quick rundown of where I sit from a savings standpoint.

We are currently saving approximately 27% of our take home income and I am constantly tweaking this to increase it.  We have recently bought a house and used the majority of our hard earned savings on a down payment.  I have mixed feelings on this cash utilization; we felt we bought at the lower end of the market cycle, with a good interest rate, and we hope for appreciation on the asset, but we do not view this as an investment - it is our forever home.  On the other hand, it is difficult to park so much of your money into a somewhat illiquid asset at one time - especially for someone more used to stock investing where your money is at your fingertips.

Regarding other expenses, we like to go out to dinner occasionally on weekends, but are very frugal with what we purchase at the grocery store each week.  We only buy what we can/should eat!  This is good for our pocketbooks and promotes healthy eating habits, as well.  We rarely buy snack food, which minimizes the unnecessary downtime munching.  We have two vehicles, one paid off and one leased.  This will be an ongoing expense.  And, once the student loans are paid off, that would add another 4% monthly savings.  The small ones add up!

Speaking of small ones, we have a few other items that we hope to cut in the future.  Lawn care?  We pay someone to mow our lawn currently, as neither of us has the time or inclination with a child on the way.  At some point, we hope to purchase a mower and eliminate this recurring cost - even though it is a reasonable price, only for half of the year, and negotiated so that it is only done on demand.

While budgeting is great and necessary, my main focus is on increasing income through additional streams.  The "Afford Anything" blog is a great resource for this mentality.  I focus heavily on investments.  I spend a lot of time studying the stock market and other investment ideas.  I'm not a huge Jim Cramer fan, but in his "Real Money" book, Cramer points out that you should spend at least an hour per week per stock that you own on research.  I think this is a great rule.  I will write more about this later, but the point is, if you can't spend enough time to properly research your investments, you shouldn't be doing it yourself.

This is a work in progress, but I feel with some tweaking and wise investment decisions, I can use this plan to reach financial freedom at some point down the road.  The obvious ultimate goal is to have a monthly investment income greater than monthly expenses - with a combination of budget cuts and income growth.  Investing 27% of our take home income won't ultimately cut it, but it's a start! 








110 comments:

  1. DP,

    This is a very good start! Those pesky student loans. Even though they aren't too much, it is necessary to pay that down as fast as possible. I hope to have mine gone by the end of the year!

    27% is a great place to be at starting off on your journey to financial independence.

    Have a great day!
    Erik

    ReplyDelete
    Replies
    1. Thanks Erik! As I mentioned, I'm mainly focused on income growth - which a lot of my writing will revolve around - but plan to keep paring down the expenses as much as I can, as well. Thanks for the comment!

      Delete
  2. Hi DP

    I can't see how 27% savings are bad at all :)

    It's a rate in progress and as long as that can be sustain, I think you'll see really incredible goals.

    ReplyDelete
    Replies
    1. Thanks B! I hope to keep chipping away at it to reach over 40% at some point, but again, hopefully a lot of that comes from income growth as well as savings. Thanks for the comment.

      Delete
  3. Hi DP

    I can't see how 27% savings are bad at all :)

    It's a rate in progress and as long as that can be sustain, I think you'll see really incredible goals.

    ReplyDelete
  4. Keep it up DP, you got this! 27% savings rate is great!

    Just as a thought have you considered boosting your income through other means? I'm just about to finish my internship up with NoHatDigital, they've got some killer material on building and monetizing niche sites was also looking at e-commerce on storecoach!

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  5. Thanks Nick! I'm open to suggestions . . . I appreciate the feedback and the tip. I'll be sure to check it out.

    -DP

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    다양한 사이트에서 플레이어님들이 선택하실 수 있도록 준비 했습니다!

    365일 변함없는 루징쿠폰 샌즈카지노
    5~6%

    총판에서는 카지노 본사 이벤트 외 추가적으로 루징 쿠폰을 지급해 드리고 있습니다. 10만이상 입금후 모두 소진시에 첫회 이용금액의 3~5% 루징쿠폰을 발급해 드립니다.

    일부 카지노사이트 가입쿠폰
    2~5만

    사이트 신규가입만 해도 무료 쿠폰이 팡팡
    일부 총판에서 소개해드리는 바카라사이트에서 신규회원을 대상으로 2~5만 무료 쿠폰을 지급해 드립니다!

    SASAROI 충성회원 쿠폰
    활동쿠폰

    팀 사사로이를 통해서 사이트 회원가입을 해주시고, 플레이하시는 회원분들을 상대로 활동쿠폰을 지급해 드립니다. 주 3~4회 게임 진행시 입금액에 따라 쿠폰 증정.

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