Author Topic: I just bought 2 days per year of free life, indefinitely. 363 to go.  (Read 47288 times)

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1202
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #150 on: June 10, 2017, 11:51:39 AM »
Yeah.  If you adjust for piggybacking and some other miscellaneous income, I'm at about a 0.3% WR.  For reasons that I haven't fully fathomed, I don't particularly feel as safe as I would expect even with everything humming along nicely.  I think it may be that my Mom was a worrier and when things were going well, she would worry that there was nothing to worry about.

It's hard when the market is at record highs to feel totally safe.

The nice part will be when the next crash happens, half your wealth evaporates, you have side gig income keeping your WR still around 3% even counting the crash, and then the market starts to come back and your WR starts dropping again.

That's when you'll pass the sequence of returns risk test. Hopefully at that point it'll feel better?  ;)

Quote
Also, I calculate my WR based on my last six months of expenses.

What's the reasoning for this instead of calculating using not the last 12 months?

The all time highs of the market don't bother me.  I would not be surprised to see a pullback soon, but I am optimistic both in the near-term and the long-term.  My apprehension is more vague and non-specific...which makes it all the more aggravating because I am having trouble arguing my way out of it.  As you say, I'm relatively speaking in good shape.

Yes, getting through the first downturn post-RE will be an important milestone, and I hope I will feel better.  Because of the way my finances are, actually each passing month things get a little safer (one less month of child support, occasionally one less tuition check to write).

I use the last six months to balance between two factors:  being long enough to represent a plausible average, and being short enough to respond to any efforts I make to reduce my expenses.  Changing it to 12 months really wouldn't change the number much I don't think...I've been wandering between 2% and 4% since FIREing.
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

Knaak

  • Bristles
  • ***
  • Posts: 415
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #151 on: July 01, 2017, 08:20:12 AM »
I'm up to November 9th!  I'll be free the end of next year so long as I can maintain my savings rate through 2017.  Even if I don't, I should be close enough to pull the plug on my day job.

~190 more work days left...

Three months later and I'm up to November 23rd!  Next month I'll add 10+ days since my side business is about to get some nice commission checks.  The business has lumpy income, but the lumps are getting larger and more frequent this year.

~135 more work days left.

Another three months have passed and I'm up to December 15th!  April was a good month of commission checks.  July will be even better.

~77 more work days left.

WhiteTrashCash

  • Pencil Stache
  • ****
  • Posts: 814
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #152 on: July 01, 2017, 10:37:17 AM »
I just reached January 26th. It will be quite the milestone for me when I get the first complete month of freedom. Then it will be 11 months left to go.

Forever Wednesday

  • 5 O'Clock Shadow
  • *
  • Posts: 49
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #153 on: July 05, 2017, 06:17:43 AM »
Useful concept. I put away ~0.5 Forever Days each month!

BeautifulDay

  • Stubble
  • **
  • Posts: 196
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #154 on: July 16, 2017, 10:11:00 AM »
31 forever days.  1 month down 11 to go.


Rcc

  • 5 O'Clock Shadow
  • *
  • Posts: 23
  • Location: NC

Roothy

  • 5 O'Clock Shadow
  • *
  • Posts: 89
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #157 on: July 21, 2017, 05:24:59 PM »
There's an app for this! https://forum.mrmoneymustache.com/share-your-badassity/'pretirement'-app-instantly-converts-spending-to-fi-date-delta/

Cool app, but it isn't the same.  This thread is about how many days of a theoretical year you have "endowed."  In other words, I've endowed 272 days of 365--Sept. 29.  I have 93 days left to endow, then I'll have endowed a full year--meaning I can now retire.
« Last Edit: July 25, 2017, 09:35:59 AM by Roothy »

Dicey

  • Walrus Stache
  • *******
  • Posts: 6501
  • Age: 59
  • Location: NorCal
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #158 on: July 24, 2017, 02:45:14 PM »
Note I said I "formally update" only once a month, and only that particular measure.  But I LOOK at it... umm... a lot.  I'm too embarrassed to admit how often I *look*.  :)
Love this thread and especially this response. Before I was FIRE, I used to tally my accounts once a month and stick it on the wall in my (home) office. I looked at it all the time. If I'd known of this buying days trick, I'd have been all over it. Too late now, lol.

Good luck to everyone who has reported their progress. It's great to see everyone reeling in the years and taking control of their lives.
I did it! I have a journal!
A Lot Like This
And hell yes, I am still moving confidently in the direction of my dreams...

Jaayse

  • Stubble
  • **
  • Posts: 121
  • Age: 30
  • Location: Somewhere on the Ocean
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #159 on: July 24, 2017, 09:19:26 PM »
Looks like I'm at 66.9 days with my liquid investments and 105.5 if I include equity!  :D

In 2.5 months, calculated as of the end of June, I was at 72.32 days of freedom for my liquid investments. 
My Journal:  https://forum.mrmoneymustache.com/journals/the-journey-of-a-lifetime/
Earn 50,000 bonus points with Chase Sapphire Preferred ($4k spend in 3 months). I can be rewarded too if you apply here and are approved for the card. Learn more.
https://www.referyourchasecard.com/6/QCXVQ647S4
www.airbnb.com/c/justinec3400  -> Sign up for AirBnB here for 40$ on your account
Ibotta referral code:  ulyodxt

jrbrokerr

  • 5 O'Clock Shadow
  • *
  • Posts: 18
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #160 on: July 25, 2017, 01:39:22 PM »
At of today, Iīm already at December 6, but soon will receive a Bonus that will take me to December 12,,,, the Christmas songs are already playing in my mind jejeje

2Birds1Stone

  • Magnum Stache
  • ******
  • Posts: 3210
  • Age: 30
  • Location: New York
  • Peter Gibbons
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #161 on: July 26, 2017, 06:00:11 AM »
170 down, 195 to go!

How the tides have turned!

195 down, 170 to go!

"A small house can hold as much happiness as a big one." - Fortune Cookie

29 Months till FI - Stop by, or stay a while.....
https://forum.mrmoneymustache.com/journals/fire-by-thirty-five-chronicles-36-months-till-sabbatical!/

Dicey

  • Walrus Stache
  • *******
  • Posts: 6501
  • Age: 59
  • Location: NorCal
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #162 on: July 26, 2017, 08:11:37 AM »
170 down, 195 to go!

How the tides have turned!

195 down, 170 to go!
I've been following your journey, 2b1s. This is great progress. Congratulations!!!!
I did it! I have a journal!
A Lot Like This
And hell yes, I am still moving confidently in the direction of my dreams...

JanF

  • 5 O'Clock Shadow
  • *
  • Posts: 78
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #163 on: July 26, 2017, 09:11:07 AM »
I love this idea! I'm probably at negative 5 days hahaha but it's going down!

Roothy

  • 5 O'Clock Shadow
  • *
  • Posts: 89
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #164 on: July 26, 2017, 11:16:48 AM »
I love this idea! I'm probably at negative 5 days hahaha but it's going down!

That works just as well--think of each day you "buy back" from indentured servitude.  Five days to go, then your "purchases" of time are completely for you!

This is definitely my favorite progress marker.  I don't know why it resonates so much with me.

Knaak

  • Bristles
  • ***
  • Posts: 415
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #165 on: August 01, 2017, 08:38:02 AM »
I'm up to November 9th!  I'll be free the end of next year so long as I can maintain my savings rate through 2017.  Even if I don't, I should be close enough to pull the plug on my day job.

~190 more work days left...

Three months later and I'm up to November 23rd!  Next month I'll add 10+ days since my side business is about to get some nice commission checks.  The business has lumpy income, but the lumps are getting larger and more frequent this year.

~135 more work days left.

Another three months have passed and I'm up to December 15th!  April was a good month of commission checks.  July will be even better.

~77 more work days left.

I was planning to do quarterly updates, but July deserves a special exception because...

I'm up to January 1st!

~66 work days left.  Maybe.

Dicey

  • Walrus Stache
  • *******
  • Posts: 6501
  • Age: 59
  • Location: NorCal
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #166 on: August 01, 2017, 09:51:37 AM »
Woo-hoo!
I did it! I have a journal!
A Lot Like This
And hell yes, I am still moving confidently in the direction of my dreams...

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4853
  • Location: Southwestern US
  • 128 days until Freedom!
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #167 on: August 01, 2017, 10:32:43 AM »
I am at Dec 1st.  :D

I am including $120K as a conservative estimate of what I will clear when I sell my house in 1 or 2 years.

And I am using $30K as my annual spend, which is probably way higher than it actually will be.
My Journal

Countdown to Freedom:  128 days; 14 weeks of classes; 42 days of classes

afuera

  • Bristles
  • ***
  • Posts: 369
  • Age: 26
  • Location: Houston, TX
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #168 on: August 01, 2017, 12:35:20 PM »
Just reached March 1st.  2 months down, 10 to go.
"The price of anything is the amount of life you exchange for it" - Henry David Thoreau

6/2017: INV-3.4x, NW-5.0x
Projected FIRE date: 2025
Journal.

OurTown

  • Pencil Stache
  • ****
  • Posts: 532
  • Age: 48
  • Location: Tennessee
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #169 on: August 01, 2017, 12:48:46 PM »
Dude I'm on July 18.  Enjoy the summer.

jrbrokerr

  • 5 O'Clock Shadow
  • *
  • Posts: 18
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #170 on: August 14, 2017, 10:45:17 AM »
Since I'm around 7+ years away from my ideal FIRE I've realised it can be more motivating to look at what your day to day actions are worth.

My current cost of living is 25000 per year.

That means my cost per day is $68

I just invested $2000.

Assuming 7% returns over the long term (10+ years), without even taking into account compounding, the return on $2000 will be around $140 per year.

That's two days of financial independence, every year, for the rest of my life.

For every $1000 I save I have instantly bought 1 day of financial independence, every year, forever


Just wondering how OP is doing ?? Upgrade us! how many days have you bought since the beginning of this thread ??

jrbrokerr

  • 5 O'Clock Shadow
  • *
  • Posts: 18
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #171 on: August 14, 2017, 10:58:05 AM »
Just wondering how OP is doing ?? Upgrade Update us! how many days have you bought since the beginning of this thread ??

smithandwestern

  • 5 O'Clock Shadow
  • *
  • Posts: 6
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #172 on: August 16, 2017, 03:19:07 PM »
Converted to mustachianism at the start of the year and couldn't be more excited for the future.

48 Days Bought!
317 To Go!


Cheers!




Imma

  • Bristles
  • ***
  • Posts: 439
  • Location: Europe
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #173 on: August 20, 2017, 01:05:44 PM »
This is actually a great idea. I'm planning to FIRE at €12000 / year, so about €33/day. Slightly lower than my current income, but by then we'll have the house paid off and no work-related costs and I would be willing to live more frugally if that meant I would be able to quit my job. Using a conservative 4% rate of returns that means every €825 invested represents one day of FIRE, indefinitely and €103 represents an hour. My investment portfolio is still quite small, but it means I'm already have more than 2 days per year of free life, indefinitely, and will probably have more than 3 by the end of the year. It's a motivating way to think about it.

moof

  • Bristles
  • ***
  • Posts: 399
  • Location: Beaver Town Orygun
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #174 on: August 30, 2017, 11:53:55 AM »
Realized our savings account had built up a spare day of freedom beyond auto-pilot investing plan, so I bought a bonus day of freedom yesterday (well, 1.1 days actually).

I really enjoy this accounting method!

Slow&Steady

  • Bristles
  • ***
  • Posts: 262
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #175 on: September 18, 2017, 08:34:07 AM »
I just had to go calculate this.  It looks like we have 17 days in the 401k right now.  I back calculated for a couple years, based on the end of year balance and we are not moving very fast, probably due to focusing on debt over investing.

I also back calculated NW of the same couple of years and those numbers are much more motivating right now and probably will continue that way until we switch our focus.

I guess I could get the best of both worlds if I used NW to calculate # of day but since I will always need a place to live I don't usually use that number for anything but making myself feel good about paying down debt.

I have been really bummed at work lately, our company was purchased at the end of June and things have been extremely stressful.  So of course I have started to look at escape plans again. As of today, using just 401k balance, we are at 21.7 days based on expected spend rate.  If I look at very very bare bones we double that and are at 42.3 days but that requires house and solar panels to be paid off or move and rent for very cheap.  Things are starting to move along a little faster this year, hopefully they will continue to pick up momentum.  In 2018 we will be having baby #2 and finally finishing off SL debt, I am going to assume there will be some months in there that things are very stagnate but after all that I am hoping to see these numbers climb significantly!

Due to the frustrations at work I have been looking at my 401k and I believe that (after penalties) we could live off of that money without changing lifestyle for about 2 years.  If we start shedding unnecessary cost (no daycare, go down to 1 car, etc) I think it might be able to last a little longer but that will complete deplete our retirement savings. This is just a pipe dream because it would completely drain our retirement option and  DH has life long medical concerns.  If work gets that bad, my career field is always hiring (it just doesn't pay a ton) so I will find another job fairly quickly but it is nice to fantasize about not coming into work anymore.

carozy

  • Bristles
  • ***
  • Posts: 332
  • Location: San Francisco
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #176 on: September 23, 2017, 02:24:25 PM »
I just love this! Looks like we have 2 months out of the year cures, forever. This is so much more tangible to imagine! I think I will combine this idea with the art idea of shading in 365 leaves of a savings tree to represent our FIRE goal :)

I love the money tree idea!  I think I will do this too!

BeautifulDay

  • Stubble
  • **
  • Posts: 196
Re: I just bought 2 days per year of free life, indefinitely. 363 to go. Lot
« Reply #177 on: September 24, 2017, 09:54:32 PM »
Based on $40,000 annual spending.  So about $2700 per day.
31 forever days.  1 month down 11 to go.

34 days.

I do like this concept, but seems like it will take forever. However, a lot can and most certainly will change over the next few years.

Jaayse

  • Stubble
  • **
  • Posts: 121
  • Age: 30
  • Location: Somewhere on the Ocean
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #178 on: October 01, 2017, 05:19:39 AM »
Looks like I'm at 66.9 days with my liquid investments and 105.5 if I include equity!  :D

In 2.5 months, calculated as of the end of June, I was at 72.32 days of freedom for my liquid investments.

At the 5.5 month mark I'm up to 85.18 days of freedom on liquid investments, almost at the 3 month mark!  That is 23% of a forever year so far!
My Journal:  https://forum.mrmoneymustache.com/journals/the-journey-of-a-lifetime/
Earn 50,000 bonus points with Chase Sapphire Preferred ($4k spend in 3 months). I can be rewarded too if you apply here and are approved for the card. Learn more.
https://www.referyourchasecard.com/6/QCXVQ647S4
www.airbnb.com/c/justinec3400  -> Sign up for AirBnB here for 40$ on your account
Ibotta referral code:  ulyodxt

Bird In Hand

  • Stubble
  • **
  • Posts: 140
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #179 on: October 02, 2017, 08:55:51 AM »
Assuming 4% SWR, $75k annual spending, and 4% post-inflation returns going forward, then our investable assets cover...

234 days (through August 22nd each year) if we stop working today.

299 days (through October 27th each year) if we work and contribute to pre-tax accounts 4 more years.

366 days (through Jan 1 of the following year, each year) if we then work part time, stop contributing to pre-tax accounts, and let balances grow for 5 years before withdrawing.

FIRECalc tells a slightly more pessimistic story with the same inputs: 96% success rate for 50 years including SS @22k/yr starting in ~21 years.  Without SS, spending goes down to ~$63k/yr for a 96% success rate.  The FIRECalc/4% SWR discrepancy once again highlights the importance of being able to scale back spending (and/or rely on a side-hustle) during bear markets.
"Overcoming the inertia of status quo since tomorrow"

Bird In Hand

  • Stubble
  • **
  • Posts: 140
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #180 on: October 02, 2017, 09:00:55 AM »
Oh, and more to the point of the thread, our monthly savings adds ~0.5 days per year of free life.  ~6 days per year of predictable, boring regularity via bi-weekly deposits.  But we'll take it!
"Overcoming the inertia of status quo since tomorrow"

RidetheRain

  • Bristles
  • ***
  • Posts: 298
  • Age: 25
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #181 on: October 02, 2017, 05:35:30 PM »
I absolutely love this concept. I'm going to track like this from now on. It feels so much more attainable than the mystical FI number that seems so far away from me.  It'll make me smile a heck of a lot more!
See my journal

urover

  • 5 O'Clock Shadow
  • *
  • Posts: 93
  • Location: Toronto, ON
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #182 on: October 09, 2017, 12:23:12 PM »
My current expenses are 36000/year (high because of city living). But, assuming same expenses post-FIRE and 7% ROI, I need 1650$ per freedom-day. So far:

59 days down.
306 days to go.

Rhoon

  • Stubble
  • **
  • Posts: 127
  • Age: 2013
  • Location: South East U.S.
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #183 on: October 10, 2017, 07:09:41 PM »
Projected expenses will be around $20K/yr (excluding a vehicle and rent/mortgage as I'll be living on a catamaran). I'm currently budgeting to have $32K/yr at FIRE for extra padding/ living life / travel.

Based on the $32K/yr number, I'm at 84.79 days -- an increase of 20.48 days this year so far. Looking to add another 7-8 days of my life back before the year ends.

frugalnacho

  • Magnum Stache
  • ******
  • Posts: 2881
  • Age: 34
  • Location: Madison Heights, Michigan
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #184 on: October 11, 2017, 09:15:12 AM »
Using the 4% rule I have enough stache to support me for about 142 days/yr.  Currently buying another 14.2 days each year.  Hopefully my 142 days starts buying me even more days.

Canadian Ben

  • Pencil Stache
  • ****
  • Posts: 754
  • Age: 27
  • Location: Ottawa
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #185 on: October 11, 2017, 11:14:31 AM »
My stash bought me a week so far this year. Such a thoughtful gift.

intotherealworld

  • 5 O'Clock Shadow
  • *
  • Posts: 42
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #186 on: October 11, 2017, 11:25:10 PM »
Just wondering how OP is doing ?? Upgrade Update us! how many days have you bought since the beginning of this thread ??

Hey! I was lurking on the forums and very happily surprised to see this thread is still around and that people have found the idea useful!! :)

So far I've bought about 80ish forever days!

Dreamer

  • 5 O'Clock Shadow
  • *
  • Posts: 15
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #187 on: October 12, 2017, 07:05:34 AM »
196 days per year paid for, 169 to go. 

Saving for the second half should take much less time than the first half.  I'm expecting my investment returns to add 10-30 days each year on their own!  This year so far they've added 33 days, but I do remind myself that "past performance is no guarantee of future results".

WhiteTrashCash

  • Pencil Stache
  • ****
  • Posts: 814
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #188 on: October 14, 2017, 05:40:58 AM »
I just reached the beginning of February for the first time ever. That's one month of freedom forever and eleven months left to go. What a nice feeling. I really am making some progress toward my goal. Onward and upward!

Bird In Hand

  • Stubble
  • **
  • Posts: 140
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #189 on: October 16, 2017, 07:26:05 AM »
My stash bought me a week so far this year. Such a thoughtful gift.

I don't know if you or someone earlier in the thread should get credit, but I love this way of looking at it.  I just crunched the numbers and found my stash has generated 25 days per year so far this year.

Of course the stash giveth and taketh away.  At this point another 2008-type of year would wipe out ~50 days per year.  :o
"Overcoming the inertia of status quo since tomorrow"

Slow&Steady

  • Bristles
  • ***
  • Posts: 262
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #190 on: October 16, 2017, 09:16:55 AM »
I just had to go calculate this.  It looks like we have 17 days in the 401k right now.  I back calculated for a couple years, based on the end of year balance and we are not moving very fast, probably due to focusing on debt over investing.

I also back calculated NW of the same couple of years and those numbers are much more motivating right now and probably will continue that way until we switch our focus.

I guess I could get the best of both worlds if I used NW to calculate # of day but since I will always need a place to live I don't usually use that number for anything but making myself feel good about paying down debt.

I have been really bummed at work lately, our company was purchased at the end of June and things have been extremely stressful.  So of course I have started to look at escape plans again. As of today, using just 401k balance, we are at 21.7 days based on expected spend rate.  If I look at very very bare bones we double that and are at 42.3 days but that requires house and solar panels to be paid off or move and rent for very cheap.  Things are starting to move along a little faster this year, hopefully they will continue to pick up momentum.  In 2018 we will be having baby #2 and finally finishing off SL debt, I am going to assume there will be some months in there that things are very stagnate but after all that I am hoping to see these numbers climb significantly!

Due to the frustrations at work I have been looking at my 401k and I believe that (after penalties) we could live off of that money without changing lifestyle for about 2 years.  If we start shedding unnecessary cost (no daycare, go down to 1 car, etc) I think it might be able to last a little longer but that will complete deplete our retirement savings. This is just a pipe dream because it would completely drain our retirement option and  DH has life long medical concerns.  If work gets that bad, my career field is always hiring (it just doesn't pay a ton) so I will find another job fairly quickly but it is nice to fantasize about not coming into work anymore.

One month later and I have added 0.5 days, we are setting at 22.05 days right now.  I did scale back the 401k contribution rate to add more to liquid savings as I am the primary bread winner and plan to take as long of a maternity leave as possible but hopefully we maintain at least 0.5 days per month until I can increase the contribution rate again.

Still very frustrated with work, I called my old employer to inquire about openings that they might have.  I did not leave on bad terms, just wanted something different.  They will hopefully be getting back to me sometime this week.  I am excited about this because they understand that I would be looking for either a promotion or a full-time work from home option AND less than 6 months ago I got an email from one of the managers that they still had a desk available for me if I was interested.  We will see what happens, I will have less time to browse forums but staying busy has it perks.

Phryne

  • 5 O'Clock Shadow
  • *
  • Posts: 22
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #191 on: October 24, 2017, 06:45:26 AM »
On track for a record 10 days this quarter!
This is still my favourite accounting method, thanks again OP!!

saving_dutchman

  • Stubble
  • **
  • Posts: 108
  • Location: Netherlands
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #192 on: October 31, 2017, 08:18:13 AM »
I'm up to January 17th, I've bought 17 days of freedom. I used to buy 1.3 days per month. However recent luxury additions have brought this number down to 0.84 days. This way of accounting feels like a face punch.

Imma

  • Bristles
  • ***
  • Posts: 439
  • Location: Europe
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #193 on: November 01, 2017, 03:12:06 AM »
I'm up to January 17th, I've bought 17 days of freedom. I used to buy 1.3 days per month. However recent luxury additions have brought this number down to 0.84 days. This way of accounting feels like a face punch.

That's a good monthly reminder of priorities ...

I reached a small milestone today: 3 days! I thought I wasn't going to reach that one until next month, but a small jump in value has put me over the threshold! I hope to reach 4 days in spring. 

Phryne

  • 5 O'Clock Shadow
  • *
  • Posts: 22
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #194 on: November 01, 2017, 03:33:12 AM »
Some unexpected bonus shares gifted from my company (thanks, work!!) will see us $800 short of 11 days of free life this quarter. November is our bills month (2 x vehicle registration, home insurance & 3 x property rates: fellow Aussies will feel my pain!) but you bet I am dialling everything back to find that extra money to add to the savings pile. This method is so motivating!

(Totally failing at only looking at this once a month!)

Jaayse

  • Stubble
  • **
  • Posts: 121
  • Age: 30
  • Location: Somewhere on the Ocean
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #195 on: November 01, 2017, 12:12:01 PM »
April 14 - 66.9
July 24 - 72.32
October 1 - 85.18
November 1 - 89.49

I'm so close to April!  I can't wait for spring to come this November!
My Journal:  https://forum.mrmoneymustache.com/journals/the-journey-of-a-lifetime/
Earn 50,000 bonus points with Chase Sapphire Preferred ($4k spend in 3 months). I can be rewarded too if you apply here and are approved for the card. Learn more.
https://www.referyourchasecard.com/6/QCXVQ647S4
www.airbnb.com/c/justinec3400  -> Sign up for AirBnB here for 40$ on your account
Ibotta referral code:  ulyodxt

aspiringnomad

  • Pencil Stache
  • ****
  • Posts: 565
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #196 on: November 01, 2017, 09:20:28 PM »
Just worked my way into fall (Northern Hemisphere). The seasons changing never felt so good.
« Last Edit: November 01, 2017, 09:22:24 PM by aspiringnomad »

Hirondelle

  • 5 O'Clock Shadow
  • *
  • Posts: 85
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #197 on: November 06, 2017, 11:48:34 AM »
Jan 21st if I account for a little lifestyle inflation.
Jan 26th if I keep my current spending level.

Well, it's a start :)

moof

  • Bristles
  • ***
  • Posts: 399
  • Location: Beaver Town Orygun
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #198 on: November 06, 2017, 04:49:13 PM »
Interesting to put it into a date.  I am at 182 days saved, or July 2nd.  2 days shy of that other independence day.

diapasoun

  • 5 O'Clock Shadow
  • *
  • Posts: 39
  • Location: California
Re: I just bought 2 days per year of free life, indefinitely. 363 to go.
« Reply #199 on: November 14, 2017, 06:25:03 PM »
This is some combination of a ton of fun and a little depressing. Based on current spend I've currently got 7 and a half days funded, at the cost of about $3200 per day.

Good things that come out of this:

1. I've bought myself 5 days of freedom this year. I feel good about that.
2. The sooner I get rid of my student loans, the sooner I'll be buying even more days of freedom!
3. If I reduce my spend per day by 9 bucks next year, then I'll buy an extra day of freedom next year, instead of more crap.
4. Now I want to trim the fat even more.