A Tiny Glimpse Of Early Retirement

It has been a very strange week.  I have not reported to the office, but I’m not on vacation or at home recovering from childbirth and caring for a newborn.  My doctor took me out of work due to the risks involved with twin pregnancy.  The crazy thing is that, ideally, these babies shouldn’t be born until May – a whole month from now!  After hustling so hard, for so long, I’ve suddenly found myself with something resembling freedom.

 

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Lessons Learned At 30 Weeks Pregnant With Twins

We gave quite a bit of thought into whether we should add to our family again, with three fairly young children already.  One of the reasons why we decided to “go for it” was the fact that my previous pregnancies have been fairly uneventful.  I worked full-time until the very end and gave birth to big, healthy babies that came home with me two days later.  At 30 weeks pregnant with twins, I’ve learned quite a few lessons, including that you should never, ever assume you can predict the future.

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Should You Go Back To School For A Career Change?

The last few weeks of work have been really rough, even worse because I’ve now entered the third trimester of this twin pregnancy.  Before we decided to pursue early semi-retirement, I would usually start thinking about changing jobs or careers whenever work really stressed me out.  I enjoyed college, but as tempting as a change might be, we’re still paying off my loans from attending graduate school.  While making a career change with further education wasn’t a good decision for our financial situation, that doesn’t mean that others might be able to use that strategy to better their life and their future.  How do you decide whether going back to school for a career change is a good idea?

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How To Escape From Debt With A Few “Mini-Hustles”



Our financial focus over the past few years has been on how to pay off debt.  One of the most effective ways we’ve found to lower our debt is by increasing our income with side hustles.  Now, it seems like side hustles are generally construed as a type of part-time job . . . but you don’t need to deliver pizza 20 hours a week or devote all of your free time to a side business in order to escape from debt.  Small efforts with bits of extra time can make a big impact on your finances.

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Frugal Ways To Be Healthier As a Family

Being healthy seems to be the focus of many as we get into the full swing of the New Year.  I’m already looking forward to regaining my shape once this last pregnancy is done!  As a parent, we’re always trying to make sure that our family is healthy . . . and for good reason.  Being healthier means that all of you can be more active, get sick less, and have more fun together.  The best part is that you can achieve these goals for your family, without breaking the budget.   

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They Picked The Wrong House: Our Recent Experience With A Salesman

The details of the phone call seemed a bit strange, but we were enticed by the promise of a gift card for the grocery store.  It didn’t take long to realize that we had been duped into subjecting ourselves to a sales presentation.  The “snake oil” was a water softening and purifying system, for which we were offered a “great deal” on a ten-year lease.  We’ve been purposely avoiding sales pitches for the past few years due to our mission to fix our finances, so  this experience was actually somewhat, um, interesting.

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The Better Way To Track Finances In 2017

I am so proud of the way that we are destroying our debt.  It is both rewarding and motivating to see how far we’ve come in just a few short years.  Tracking financial progress can provide an immense boost of resolve to continue, and even step up, our diligence.  That is why we’re trying something new in 2017, to keep better track of our finances.

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10 Cheap And Easy Alternatives To Store-Bought Valentine’s Day Cards

Valentine’s Day is one of those holidays that can quickly become expensive.  Mr. Smith used to send beautiful bouquets of flowers to my office.  They were lovely, but honestly, a waste of money.  Nowadays, we’re saving our money to pay down debt and fund future adventures.  But the kids should still get to participate in Valentine’s Day festivities with their friends at school.  These cheap and easy alternatives to store-bought Valentine’s Day cards are a great way to help them enjoy the day without spending too much money.

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How Are We Going To Pay For College . . . With Five Kids?

Reactions to our news about expecting twins, when we already have three young kids, have been pretty interesting.  There is usually a bit of shock, followed by one or more of the following questions: (1) are you going to move, (2) are you going to buy a new vehicle, and (3) how are you going to pay for college with such a large family?  The twins were a surprise, but whether we ended up with four or five children, it would still cost hundreds of thousands of dollars to take on the entire cost of a college education.  We have a plan, consistent with our new financial priorities and definition of success, for how our children will be able to attend college.  And, it doesn’t involve any type of regular contribution to investment accounts.

 

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