Sunday, April 28, 2019

Weekly Retrospective....

What I’m Reading:  A History of the Arab Peoples by Albert Hourani and Malise Ruthven ...

What I’m Listening ToYou Can Afford Anything podcasts…

What I’m Working On: Finishing up Spring Gardens ….

Where I’m succeeding: Relationships that matter ….

Where I’m struggling: Sticking to a routine ….

What I’m grateful for: People who love me in spite of my many flaws  ….

Quote that has me thinking: “Never stop fighting until you arrive at your destined place - that is, the unique you. Have an aim in life, continuously acquire knowledge, work hard, and have perseverance to realize the great life.“  A. P. J. Abdul Kalam

What I’m excited about:  Hanging out with my daughter and putting in her Spring garden ….

What I’ve been pondering: Long-term decisions ….

Saturday, April 20, 2019

Latest Money Win....

My iPhone charging port recently went bad. After months of coming up with rigged methodologies for charging my phone, I started looking at various options. My least favorite one was a text from my provider offering me $300 off a new phone. THREE HUNDRED DOLLARS???? And that’s the DISCOUNT???? My cell phone provider apparently didn’t get the memo that I am a cheapskate and had converted to the FIRE movement since purchasing my last phone from them years ago. And after reading further through their offer, I realized how nice it is to NOT have payments for a phone built into our plan that allows them to keep cell phone users in increasing amounts of debt the longer they stay with the provider as they upgrade their phone to the next big thing every couple of years (and I’m not knocking folks for this, as I am a former victim of this abuse – just know that there is a better way).

In the end, my wife saved the day. Sick of seeing me leaning my phone up against the wall at odd angles with small books or other items sitting on top to allow the charger to connect to the port, she emailed me a Groupon for a refurbished phone for $160.00. The best part was when I took the ‘new’ phone and the old one to a local cell phone store and asked them to transfer the data to my new phone. The very helpful representative offered to buy my old phone for $95.00! This brought my total cost down to $65.00!!!!!

I know a lot of folks need the newest gadgets, but for me, the iPhone 6 works just fine and has more apps than I will likely ever use. Even better, thanks to my wife, I may have found a hack to prevent myself from ever having to spend any real money on a new phone again.

Got any recent money wins you’d like to share? Please let me know in the comment section below….

Monday, April 15, 2019

Weekly Retrospective....

What I’m Reading:  Side Hustle (still) by Chris Guillebeau...

What I’m Listening ToBigger Pockets Money podcasts…

What I’m Working On: Spring gardens ….

Where I’m succeeding: Finished the Income Tax Module of the UGA Terry College of Business Certified Financial Planner Course ….

Where I’m struggling: Deciding ….

What I’m grateful for: Life and the freedom to live it on my terms ….

Quote that has me thinkingGreat achievement is usually born of great sacrifice, and is never the result of selfishness.” ― Napoleon Hill

What I’m excited about:  Opportunity ….

What I’ve been pondering: How to help more students through my non-profit ….

Thursday, April 11, 2019

Amelia Earhart Quote....

“Courage is the price that life extracts for granting peace.” – Amelia Earhart

Wednesday, April 3, 2019

Another Teddy Quote....

"A soft, easy life is not worth living, if it impairs the fibre of brain and heart and muscle. We must dare to be great; and we must realize that greatness is the fruit of toil and sacrifice and high courage... For us is the life of action, of strenuous performance of duty; let us live in the harness, striving mightily; let us rather run the risk of wearing out than rusting out." – Theodore Roosevelt 

Tuesday, April 2, 2019

Week Off Projects...

I decided to use some down time from work to do some spring cleaning and prep for the upcoming gardening season.

“…for whatsoever a man soweth, that shall he also reap. -   Galatians: 6:7

Monday, April 1, 2019

Recent Money Wins....

As the 3 people who actually read this blog know, I am on a short path to early retirement (target date of December 2021). And ever so often, my wife and I look for opportunities to reduce bills and/or increase revenue. Our most recent wins were:

1.     Eliminate Cable/Home Phone: We recently got rid of cable and our home phone, buying fire sticks and switching to Hulu and Netflix. Total savings? We went from what was going to be $243 a month to $125 a month, or a savings of more than $1,400 a year.
2.    Revisit Insurance Policies: Insurance companies have no loyalties. We saved 25% by switching care insurance (and then switching back) and 50% on home insurance.
3.    High Yield Savings and CDs: I personally believe the stock market has a good ways to run still, especially if a trade deal with China happens soon. However, Synchrony Bank makes it very easy to hedge my bets with a 2.25% high yield savings account and a one year 2.8% Certificate of Deposit.

There are other ways to save money and generate additional income, so don’t just take my word for it. The first step is understanding where your money is going and then determining whether your spending is in line with your values. Let me know if I can be of assistance….