Author Topic: Say Hi and Introduce Yourself  (Read 744144 times)

Inkedup

  • Stubble
  • **
  • Posts: 137
  • Location: USA
  • Striving for FI.
Re: Say Hi and Introduce Yourself
« Reply #1750 on: November 18, 2014, 08:24:24 PM »
Hi, folks.

I'm 33, east coast-based, and a longtime reader of frugal living blogs (including this one). After devoting the majority of my 20's to studenthood, I landed a job where I now have been working for a few years. Although I do not earn very much money, my expenses are minimal and I bank a significant % of my pay. That said, there is a lot of room for improvement, so I am here.

To clarify, handle refers to my preferred but anti-mustachian writing tool of choice, the fountain pen. I have no tattoos to speak of :)

csr

  • Stubble
  • **
  • Posts: 102
  • Location: Toronto
Re: Say Hi and Introduce Yourself
« Reply #1751 on: November 18, 2014, 09:05:43 PM »
Hey! I'm from Toronto and trying to save up a stash. Not to buy a house, because they're insanely overpriced, but to travel the world off my stash. Halfway there for me and my lifestyle expenses!

driftwood

  • Stubble
  • **
  • Posts: 144
Hi! (warning, contains profanity)
« Reply #1752 on: November 19, 2014, 01:49:11 PM »
Hi, I'm James, I'm in the military (8 years down, plan on doing 12 more).  Married with two kids (one four weeks old).  Here's how I meandered here:

1.  Historical interest in Badassity:  Already into many outdoor pursuits, adventure races, long runs (24 hr runs), walking hella uphill for days on end, jumping into glacier lakes, etc

2.  Financial irresponsibility:  Paid for lots of gear with CCs, also convinced I need a 4x4 pickup to carry gear and drive to places to play (never use the 4-wheel drive)

3.  Fucking (I'm assuming profanity is ok here, because its in the blog) tired of:  daily grind, rat race mentality, constant fucking advertising in my face all the time (if I ever meet the guy from the Jared's diamonds radio commercial I may commit an unspecified act of violence), having too much stuff I don't have time to use anyways, cutting grass (what kind of fucktard thinks we should spend hours of our life growing and cutting a plant we can't eat?), products designed to fail so I want more products, taking time after a long day of work to exercise (because another fucktard thought we should invent things/jobs that involve no physical labor, so now we have to add physical labor to our non-existent free time just to not be fatasses), being told I need to prepare to be rich at 65, when I'm too old and don't have the balls to do anything fun with the money anyways, not being in control of my own life, wanting to 'live my dreams' when those dreams cost more money than I have.

4.  So after surfing around websites as I tried to deal with the above frustrations I cruised through dave ramsey, manvsdebt, the minimilasts, backpacking light, tiny houses, I will teach you to be rich, the wisdom project blah blah blah I found Mr. Money Moustache!  I was already well on the way to paying off debt/reducing what I have/what I do to maximize time with my family, but this site gave me more info/inspiration/tools/motivation.

Ok, I'm done with the numbered list and ready to move on with my day.  Happy to be here.
*Nothing I post should be taken too seriously*

vulgar_girl

  • 5 O'Clock Shadow
  • *
  • Posts: 45
  • Location: San Francisco
Re: Say Hi and Introduce Yourself
« Reply #1753 on: November 19, 2014, 03:56:57 PM »
Hi Everyone,

I have been lurking around the MMM site and forum for a few months now.  I have some hair-on-fire debt, and a small savings, but my FI plan is underway and I am in the process of growing my lady-stache.  I want to say thanks to all those who are regular posters here on the forum.  I have gained a lot of knowledge from you all.

About me: I live in San Francisco right by the ocean which is AWESOME, and only 5 miles from work!  I am married to a wonderful husband and have a young son.  I like knitting, crocheting, and doing all things crafty.  I love the outdoors and spend most of my weekends walking through the woods in Golden Gate Park (sometimes I even forget I am in the city when I am there).  I love to cook and bake (especially anything chocolate).  I love video games.  Some of my favorites are COD, Skyrim, and Sims; just to give you an idea of the genres I like.  I am playing less these days though.  BTW vulgar_girl is a username that originated in the gaming world.  Also, I do have a tendency to be vulgar...

Finances: I am up shit creek, but I do have a paddle, and am chipping away at the debts my past-self left my present-self to deal with.  I have done a lot of the things that you all talk about on the Mustachian Wall of Shame and Comedy including, but not limited to: cashing out a 401K after leaving a job, taking a loan from my 403b, taking out personal loans, financing a new car (at least it is a Honda Civic...), et cetera.  I finally became completely fed up with my own irresponsibility and was tired of living paycheck to paycheck.   First I built myself a Total Money Makeover snowball spreadsheet ala Dave Ramsey.  Then I started scouring the interwebs to find more information, which is when I found this lovely MMM community and forum.

So that is me in a nutshell.  I am excited about my stubble and about being a part of the community.

 

soontoberichteacher

  • 5 O'Clock Shadow
  • *
  • Posts: 15
Re: Say Hi and Introduce Yourself
« Reply #1754 on: November 20, 2014, 09:32:12 PM »
Hey everyone! I have been a lurker of this forum for a while, and started a journal a while back that I haven't updated. But I hope to become more involved.

I have always been interested in living frugally and managing my money well. Even when I was a little kid, my mom would comment on how much I cared about maintaining my "stuff" (like clothes) so it wouldn't need replacing or how much I liked to save my money. I guess Mustachianism came naturally to me.

That being said, I have (lots of) work to do when it comes to my own financial success. At the end of my student teaching practicum, I will be ~$18k in debt. It is worth it to me because it has always been my dream and mission to become a public school teacher. But I hope to pay that debt fairly quickly, and I already have some good job prospects lined up for when I graduate. I am also in the "read read read" phase, and I am trying to soak up books/forums/websites to learn as much as I can.

I look forward to being more involved on this forum!

maisee

  • 5 O'Clock Shadow
  • *
  • Posts: 10
  • Location: Connecticut
Re: Say Hi and Introduce Yourself
« Reply #1755 on: November 21, 2014, 09:17:09 AM »
Hello there from Connecticut.

Kind of a lurker for a while. Recently made a username for myself. I'm a 26-year-old still trying to figure out what it is I want to do with life. I'm currently in a stable job, but itching to leave for a new one. I got bored with the 9-5 so easily and I know it's NOT what I want to do forever. So now my new preoccupation is to figure out ways for me and the boyfriend to save money now so we can do fun stuff later, like travel a lot.

I agree 100 percent with what other people have said, that MMM should be required reading. It's insane how people can get through high school and college (in the states at least) and have not the tiniest clue about managing finances, paying off credits cards, avoiding hundreds of ks of student loan debt and the like.

Thanks!

marketingnurse

  • 5 O'Clock Shadow
  • *
  • Posts: 2
Re: Say Hi and Introduce Yourself
« Reply #1756 on: November 21, 2014, 03:45:49 PM »
Hi I'm Rosa, alias The Marketing Nurse,

Been reading the website for over a year now, didn't realize there was a forum until I looked around for the article about Ting when I was ready to switch phone companies. So here I am all registered and stuff! I look forward to learning from you all,

Rosa

Allie

  • Handlebar Stache
  • *****
  • Posts: 1960
Re: Say Hi and Introduce Yourself
« Reply #1757 on: November 21, 2014, 05:36:20 PM »
Hello!

I'm Allie.  A little about me...

- I dislike buying something when I can cobble together a better version from random things found on Craigslist and a Youtube video. 
- I love to rip things up and DIY them back together.
- I have a tendency to hoard, which is nicely balanced by my husband's love of purging. 
- I have a weakness for "new and improved" snack foods.  I don't eat a large quantity of processed foods, but love to try the newest version.  I was told by a friend who worked in management and marketing for food producers that makes me an "innovator".  Knowing this makes me hate myself, just a little.
- I have a background in counseling and working with people in crisis.  Part of the bonus of this is that it is impossible to offend me.

I live with my husband and two kids in beautiful Alaska.  I've been around off an on the forum over the years but never properly introduced myself.  Until recently, we had been working on paying off all of our debt and saving lots of money but never really had a concrete plan for the future.  I left my full time job in April to stay at home with our kids and have more time to focus on planning, finances, and household management.  When I ran the numbers recently, I was pretty surprised by our projected savings.  I'm working to balance my desire to live a life of simplicity in a much warmer location with my husband's love of adventure, his job, and lots of toys.  Even though I like to think I am right all the time, I know the only right way is when we are both satisfied with our life. 

I'm hoping this community will be a good place to come for advice, support, and ideas.  In the next couple months I plan to do a little mini energy audit of our home, continue to scale back the consumables bill, make plans to increase our non-grocery store food sources next year, dip my toe into credit card rewards, and navigate the holidays with two outrageously unthrify families. 

Hope to see everyone around!

josstache

  • 5 O'Clock Shadow
  • *
  • Posts: 99
Re: Say Hi and Introduce Yourself
« Reply #1758 on: November 22, 2014, 07:36:40 AM »
They call me josstache.  I only recently discovered this site, but my tendency was always to save 50%+ of my take home, even when I was making less than $30k, so I knew I'd found kindred souls when I stumbled upon the articles here.
« Last Edit: December 13, 2014, 09:12:16 PM by josstache »

benjenn

  • Bristles
  • ***
  • Posts: 282
  • Age: 53
  • Location: Gulf Shores, AL
Re: Say Hi and Introduce Yourself
« Reply #1759 on: November 22, 2014, 11:10:44 AM »
Hi, everyone.  Jennifer here.  Ben is hubby so that's why we're Benjenn.  (NOT Bennifer!).  We are new to MMM (thank you, sweet SIL, for introducing us to it!) but we've been working toward early retirement for awhile now.  We currently live in Oklahoma but will be moving to the Gulf Coast when we retire the end of 2015.  Can't wait!
FIREd and loving it on the beautiful Gulf coast beaches!

searles

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: Say Hi and Introduce Yourself
« Reply #1760 on: November 22, 2014, 07:24:05 PM »
Hello everyone. Started reading the blog around a month ago and thought it was time that I finally register. At almost 35 I have a ways to go and know I'm definitely far behind the pack in terms of being able to tell my boss to shove it. That won't stop me from dreaming about it daily and working towards the ultimate goal.

I'm currently firing paychecks at the last of my credit card debt and since February I've knocked off $10K, $6K left to go and I will finally be able to say that I'm free. From Citi anyway.  Trying to get on a frugal path and cut back on eating out. Other than that I live a pretty cheap life and don't need much these days. That's my introduction. See you around the forums!

gaspony

  • 5 O'Clock Shadow
  • *
  • Posts: 21
Re: Say Hi and Introduce Yourself
« Reply #1761 on: November 22, 2014, 09:02:24 PM »
Hello!

This blog is great, a real inspiration.  With a family of seven I don't have a goal to dip down into MMM levels, but I'm definitely inspired now to up my savings rate to 50% of take home and get FIRE quickly.  Currently 38 and getting a late start compared to many here, but I hope to catch up quickly. 

RoostKing

  • 5 O'Clock Shadow
  • *
  • Posts: 24
Re: Say Hi and Introduce Yourself
« Reply #1762 on: November 23, 2014, 10:21:04 AM »
Hello. I found this site as it was mentioned on a pinball hobbyist site. Very informative so far!! 44 years old, with dreams of paying off my house in a couple of months, although this site has me rethinking it. Would like to retire in 10 years, but I am unsure where to start. I have about $70,000 in 401k and not much else so I need to get moving on that big time. I do not have a wife, nor kids, so that makes it easier. Looking forward to learning!

checkedoutat39

  • 5 O'Clock Shadow
  • *
  • Posts: 74
  • Location: The mountains
Re: Say Hi and Introduce Yourself
« Reply #1763 on: November 23, 2014, 01:44:15 PM »
Hi. I finally had enough of Chicago and decided to move to the Colorado mountains. That was 4 years ago. I'm still here. Snowing today.

I do some consulting and am right around a 5% withdrawal rate.

Cloudberry

  • 5 O'Clock Shadow
  • *
  • Posts: 3
  • Location: Stockholm
Re: Say Hi and Introduce Yourself
« Reply #1764 on: November 23, 2014, 04:24:53 PM »
Hello!

I'm Erica, 29 years old Italian living in Sweden.
I recently quit my safe job because I needed some challenge, and I have almost no idea about what to do next.

The_path_less_taken

  • Pencil Stache
  • ****
  • Posts: 655
Re: Say Hi and Introduce Yourself
« Reply #1765 on: November 24, 2014, 09:50:22 AM »
Hi,

I only recently discovered MMM and am in the process of turning my life around.

Don't laugh, but I am sort of INFAMOUS for spending money like a drunken sailor. (sigh: braces for facepunch)

I intend to change that.

Ironically, I've "retired" in a way a couple of times. Managed to live within my investment return means. But only by considering it all an equation: work more/spend less.

Now, I'm thinking of doing both.

Thank you MMM.

CongoKid

  • 5 O'Clock Shadow
  • *
  • Posts: 15
Re: Say Hi and Introduce Yourself
« Reply #1766 on: November 25, 2014, 05:54:39 AM »
Hi All,

Looking forward to joining the forum.  I'm a 39yo American living/working in Africa.  I'm hoping to find other folks here also living the expatriate life, which has its own unique challenges and opportunities for growing the money mustache!



amfal

  • 5 O'Clock Shadow
  • *
  • Posts: 5
Re: Say Hi and Introduce Yourself
« Reply #1767 on: November 25, 2014, 09:40:24 AM »
Hi,

I'm Anthony.
Married - No kids. Want to retire and trying to see how to do that. Would probably still work something, or do entrepreneurial things. 

Feel I am starting late, but am in a pretty good position.
Currently only debt is a house, (we are currently looking to downsize and pay off quickly)
Have no other debt. Not a mustachian though, Still have cable and a clown car...etc.

trying to determine what is best for me. still wrangling with giving up cellphone/cable etc.

I have some big picture/long term trouble with some of the cut corners talk. I don't have a latte every day, but get some stuff now and then. Feel like we are pretty close to the bone as it is. Also wife is currently self employed, without steady income.
Trying to see the balance of enjoying life now and retiring early. 

Certainly would welcome any tips or comments!


Cookie78

  • Handlebar Stache
  • *****
  • Posts: 1670
  • Location: Canada
    • Cookie's Goals
Re: Say Hi and Introduce Yourself
« Reply #1768 on: November 25, 2014, 12:15:32 PM »
Hi I am Cookie.

I just discovered this site a couple days ago and I'm very excited.

I've always been careful with money, but I'd like to do more. I have one rental property which is causing too much stress and making not enough money. Planning on selling that in the spring. The house I live in is also being partly paid (60% of mortgage taxes and utilities) by renting the basement.

I don't spend very much on 'things' at all, though I am currently going through a phase of purging all the things I have that I haven't used in a long time and it will take some time to get through them all!

What I do spend a lot of money on is travel, but I like to travel pretty cheaply. My boyfriend lives a 3 hour flight away and we fly back and forth a lot. We are looking to remedy this situation very shortly, but living in different countries makes that tricky.

Ultimately I'd like to be financially independent so that I can be location independent and spend lots of time travelling slowly around the world.

jordanread

  • Walrus Stache
  • *******
  • Posts: 6318
  • Age: 32
  • Location: Colorado Springs
  • Live Long, Live Free, Drop Dead
    • Frugal FIRE Show
Re: Say Hi and Introduce Yourself
« Reply #1769 on: November 25, 2014, 12:54:28 PM »
Welcome to all the new people! We're glad to have you here. For those who want to know where to start, how to get going and the like, Mustachian kind of boils down to a single word: Mindfulness.

The lattes, the driving, the fast food; The only reason they are a big deal is because (it sucks, and) people have a tendency to do them mindlessly. Start tracking your spending. Find the leaks. Use some of the tools (like cfiresim, and firecalc) to figure out where you are, and where you would like to be. Then go check out what other people have done in the "Share your baddasity" section. Join in our challenges in "Throw Down The Gauntlet", and if you can't quite get locked in, "Ask a Mustachian".

Remember, we're all about figuring out what you value, and making you back up those decisions. Welcome, and have a great time!!
Join the cycling challenge!
Get in shape in 2017!
Frugal FIRE - Episode 2

"Mustachians rarely sit back and let things happen to them. Mustachians go out and happen to things."

CM*TO - Ticket Lottery

mallerina

  • 5 O'Clock Shadow
  • *
  • Posts: 6
Re: Say Hi and Introduce Yourself
« Reply #1770 on: November 25, 2014, 06:02:01 PM »
Hi y'all! I'm mallerina, long time lurker first time poster :) I'm a grad student, married to a coastie and a mom of 2 sweet girls. We're getting ready to move next summer and I'm trying to dial down my spending habits to get more in line with a mustachian and minimalist lifestyle. I'm excited to finally start participating in the conversation!

LiveUnfettered

  • 5 O'Clock Shadow
  • *
  • Posts: 5
Re: Say Hi and Introduce Yourself
« Reply #1771 on: November 25, 2014, 08:34:42 PM »
Hi, I am Rich (not wealthy) brought to this site buy a coworker after a pre-Thanksgiving talk at work about finances. I've had a go look around at the blogs here. I'm mainly pretty surprised that many of the logics used on MMM are some that I have recently come by myself in my recent endeavor to become FI.

My path leads down a somewhat different path but I am excited to be a part of this community.

Thanks for having me.

beachkat

  • 5 O'Clock Shadow
  • *
  • Posts: 5
Re: Say Hi and Introduce Yourself
« Reply #1772 on: November 26, 2014, 04:40:47 AM »

Wife to a hardworking man, SAHM to some pretty awesome kids, living at the beach and dreaming of the day that my dh can enjoy his days at home with us.

lielec11

  • Stubble
  • **
  • Posts: 124
Re: Say Hi and Introduce Yourself
« Reply #1773 on: November 26, 2014, 11:03:30 AM »
Rookie Mustachian Electrical Engineer trying to absorb as much from all you intelligent people here.. with an argument or two thrown in.

CanardRoti

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #1774 on: November 27, 2014, 10:49:29 AM »
1st time poster.

32 years old, no debt, 50 k a year salary.
Here to learn more about you guys.


DancingStina

  • 5 O'Clock Shadow
  • *
  • Posts: 1
  • Age: 27
  • Location: Lompoc, California
Re: Say Hi and Introduce Yourself
« Reply #1775 on: November 28, 2014, 12:53:14 PM »
Hi I'm Christina!

I'm 24, and just recently started reading MMM a couple months ago after hearing about him on a podcast. I have now read every post, and agree wholeheartedly with everything about Mustachianism. I was living pretty simply before, but now I better understand the benefits of saving and having goals. I've paid down my student loans significantly and appropriately kicked myself about buying a practically new car and using a Savings account to save because I didn't know anything about investing. I've decided since I don't care for my current job, to take a mini-retirement next year to travel and explore the world a bit before finding a job that I'll actually enjoy. Then I can set my FI plan in motion!

craiglepaige

  • Pencil Stache
  • ****
  • Posts: 792
  • Location: Ohio
Re: Say Hi and Introduce Yourself
« Reply #1776 on: November 28, 2014, 06:10:10 PM »
New member here ;)

I'm so extremely happy to have found this forum. I have been reading it non-stop for the past few days. Working on being debt-free(besides mortgage) within the next 1.5 years. Learning ways to cut expenses and save/invest.
-The conqueror will always become a slave to his conquest.

- Eres Un Esclavo Financiero
https://youtu.be/GO1Fsp4cUTQ

AsianStash

  • 5 O'Clock Shadow
  • *
  • Posts: 9
  • Age: 23
  • Location: Makati, Philippines
Re: Say Hi and Introduce Yourself
« Reply #1777 on: November 29, 2014, 03:05:47 AM »
20 year old fresh out of college and working his first job here! Have been reading MMM's posts for the last few weeks, and I'm so glad that I found it this early on in my career/life. I'm looking forward to getting to know everyone here! :)

Zarya

  • 5 O'Clock Shadow
  • *
  • Posts: 37
Re: Say Hi and Introduce Yourself
« Reply #1778 on: November 29, 2014, 06:33:39 AM »
Hi All,

I just stumbled across the MMM blog recently and have been devoting my bedtime reading to plowing through all the back posts. I'm in my mid-40s and I handle the finances for my family of five (spouse of 24 years and three fabulous kids ranging from tot to teen). I've reached two conclusions so far, which are:

1. We were already pretty Mustachian, but we simply weren't aware of it yet. Some of our most Mustachian attributes include: bike commuting (including a trailer for tots, who graduate to a trail-a-bike before gaining two-wheeled independence), living debt-free except for our mortgage, being TV-free since 1994 and cable-free forever, living close to work and school (enabling bike commuting for all), using Nature for fun and recreation, and saving more than we spend.

2. We could be even more Mustachian and achieve FI according to a plan, rather than blindly hoping for the best (which has been my main strategy to date).

The other thing that sets us apart is that we're American expats who've been living in Europe for 14 years now, but not as business reps or diplomats. It was our own choice to settle here and we've made lives for ourselves by getting citizenship/residency, finding local jobs, and starting our own business. This makes finances a bit different for us in several respects (we benefit from national health care but have much lower salaries than we would in the U.S., for example) but Mustachianism can be applied in pretty much any economic context.

I look forward to gleaning tips and inspiration from other like-minded people.

-Z
« Last Edit: November 29, 2014, 06:45:04 AM by Zarya »

Squirreling Away

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #1779 on: November 29, 2014, 11:34:59 PM »
Howdy folks,

Been a 'stachian for years, never had a term for it.. I called it minimal debt free living at the time, or common sense... :)

Started a business 3 years ago, in the black now with excess capital from last year's work and looking to get back into focusing on finances. My work is helping folks assess and design their land to be of highest value from a productivity stand point and resale. Living in interior BC makes for a beautiful setting and the right area for my work.

Looking to explore the Financial Independent methods and applications folks have tried here, with a focus on the Canadian approach.

Looking forward to diving into the posts and chatting with folks. Be Fruitful and Mulch Apply - j

Marianne

  • 5 O'Clock Shadow
  • *
  • Posts: 35
  • Location: Germany
Re: Say Hi and Introduce Yourself
« Reply #1780 on: November 30, 2014, 02:05:48 PM »
Hallo to all,

Im 31, married, 1 kid and live in Germany (sorry for my English, but Ill give my best:-)

I have been pretty frugal since ever, I was raised in that way. 6 months ago I found your site and your forum and since then it has been my addiction:-) I was really surprised to find out that so many people think in the same way as I do and are frugal by choice. I always had the impression that peple are only frugal because they have to. Actually, Mustachianism became something like a religion to me. I do not believe in God and when somebody asked me what I believed in, I used to say in nothing. I say it now, too, but the difference is that now I actually believe in something... in the frugal way of life, frugality by choice, mustachian philosophy.

I have one big wish... I would like to meet some Mustachians personally, I would like to have mustachian friends. I have no idea how to find such people here in Germany, but I want so much to fill my life with people like this.

Love your forum!

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4732
  • Location: Southwestern US
  • 151 days until Freedom!
Re: Say Hi and Introduce Yourself
« Reply #1781 on: November 30, 2014, 02:18:42 PM »
Welcome to the MMM forum!

You might want to jump in on this thread--it seems fairly active.  (I have no idea what they have been discussing, since I forget 99% of the German I learned in middle school!)

http://forum.mrmoneymustache.com/mustachianism-around-the-web/mustachianism-applied-to-german-way-of-life-deutsche-mmm-ratschlage/msg466641/#msg466641
My Journal

Countdown to Freedom:  151 days; 16 weeks of classes; 48 days of classes

VegasStache

  • 5 O'Clock Shadow
  • *
  • Posts: 5
  • Age: 48
  • Location: Vegas Baby!
  • It's not really hiking if you don't pack water
Re: Say Hi and Introduce Yourself
« Reply #1782 on: December 02, 2014, 10:14:39 AM »
Hello.  I found MMM in October of 2013 right after I purchased a $60k AWD Luxury SUV.  It's a decision I kick myself for almost daily.  I'm almost-not-upside-down in the Lexus and am looking fondly toward the time (Feb 2015 or so) when I can get out of it without it costing me more than keeping it until then.  Meanwhile the wife and I have made choices about "little" expenses in our lives that have been saving us money every month.  Cable, home phone, alarm system...all gone.  We've focused more on paying down our mortgage and are currently refinancing to a 15 year which we'll pay off in approximately 12 with bi weekly payments.  My 5 year old daughter is the light of our lives and we're working toward the time when we can be with her more than we are.  Having said that, my wife takes her to and from Kindergarten every day...and still manages to be a productive attorney.  I'm an engineer and a consultant, so getting rid of my car is going to cause enough of a hole that I will need to fill it with something.  I'll try hard not to buy another albatross.  Anyway, I'm happy to be here and welcome any questions, or requests for clarification on anything I post.  I look forward to every MMM article and have even started to comment on the forum.  Here's to the community and hoping for many productive exchanges!

Kananas

  • 5 O'Clock Shadow
  • *
  • Posts: 47
  • Age: 32
  • Location: Finland
Re: Say Hi and Introduce Yourself
« Reply #1783 on: December 02, 2014, 11:03:44 AM »
Here we go!

Greetings from Finland! And sorry for my bad English in advance.

I'm 29, have a wife who is 35 weeks pregnant with our first child, so it's really exciting. Started reading Finnish personal finance blogs a few months ago and found my way here. I've been pretty frugal for many years, but during these past months have found some areas where I can improve. The only debt we have is mortgage. I started investing monthly to index funds earlier this year. Now that I got our e-fund built up, I can start investing a lot more and maybe also make extra payments to our mortgage.

OutBy40

  • Stubble
  • **
  • Posts: 226
  • Age: 36
  • Location: Tucson, AZ
    • ThinkSaveRetire.com
Re: Say Hi and Introduce Yourself
« Reply #1784 on: December 04, 2014, 09:04:58 AM »
Hi all,

I'm Steve, long time reader of MMM but first time poster.  I'm 33 and plan to retire by 40.

...short and sweet, just like the remainder of my working life.

- Steve
Steve Adcock
http://www.thinksaveretire.com

My goal is to achieve financial independence and officially retire from the rat race by 40.

chowtime

  • 5 O'Clock Shadow
  • *
  • Posts: 3
Re: Say Hi and Introduce Yourself
« Reply #1785 on: December 04, 2014, 12:38:46 PM »
Hi,

New mustachian here in Los Angeles.  I've been reading the blog and forum for a couple weeks.  35 years old and have been fairly frugal with most expenses but tend to get excited and spend too much whenever I get into a new hobby. I'm working on changing that asap.  Recently bought a bike to commute to work and started 403b and 457 accounts.  Looking forward to learning from you all and sharing my own experiences.

lemanfan

  • Pencil Stache
  • ****
  • Posts: 611
Re: Say Hi and Introduce Yourself
« Reply #1786 on: December 04, 2014, 02:10:10 PM »
Hi,

New mustachian here in Los Angeles.  I've been reading the blog and forum for a couple weeks.  35 years old and have been fairly frugal with most expenses but tend to get excited and spend too much whenever I get into a new hobby. I'm working on changing that asap.  Recently bought a bike to commute to work and started 403b and 457 accounts.  Looking forward to learning from you all and sharing my own experiences.

Once you realize you go overboard when digging into a new hobby or interest, exercise and saving and investing are not the worst tings to go overboard on...

Annie-Blake

  • Guest
Re: Say Hi and Introduce Yourself
« Reply #1787 on: December 05, 2014, 03:05:06 AM »
Hi, my name is Annie-Blake and my husband and I are excited to be on the FI journey in order to gain a more meaningful life by focusing on things that we value most.  We are at the beginning of our journey and so far have gone from spending 100% of our income (+ sometimes taking from the savings) to now saving 67%.  We have also paid off our car.  We have a goal of paying off our house within 6 years, then saving to invest.  FI to us means choices and therefore freedom.  We want to live a life filled with purpose, and that's why we're here.  To learn, to be inspired and to be encouraged.  Thank you MMM.

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4732
  • Location: Southwestern US
  • 151 days until Freedom!
Re: Say Hi and Introduce Yourself
« Reply #1788 on: December 05, 2014, 06:17:12 AM »
Hi, my name is Annie-Blake and my husband and I are excited to be on the FI journey in order to gain a more meaningful life by focusing on things that we value most.  We are at the beginning of our journey and so far have gone from spending 100% of our income (+ sometimes taking from the savings) to now saving 67%.  We have also paid off our car.  We have a goal of paying off our house within 6 years, then saving to invest.  FI to us means choices and therefore freedom.  We want to live a life filled with purpose, and that's why we're here.  To learn, to be inspired and to be encouraged.  Thank you MMM.

Wow--that is a huge change!!  Welcome to the forum!
My Journal

Countdown to Freedom:  151 days; 16 weeks of classes; 48 days of classes

StubbledCPA

  • 5 O'Clock Shadow
  • *
  • Posts: 21
  • Location: Kansas
Re: Say Hi and Introduce Yourself
« Reply #1789 on: December 05, 2014, 08:29:21 AM »
Hello, my name is Mark and I just recently found this site and have been really enjoying the articles and thought it might be time to start spending a little time on the forums!  My loving GF and I have made some BFM concerning student loans (about 90k in total) but are really focusing on sticking with our budget (which may still become more frugal as we find a place together in the spring and cut some more expenses).  I'm looking forward to learning even more from the community here :)

For fun (as I'm a tax accountant), I have also created a lovely spreadsheet to compare grocery prices between up to 6 different stores and compare each based on unit price, showing the price per unit and % difference between the top two stores.  I'm not sure if there is a place to share this with others, but if there is, I would kindly like to be pointed the way so others may be able to take advantage of this work (if not already listed here on the site). 

TootTootBeepBeep

  • 5 O'Clock Shadow
  • *
  • Posts: 17
Re: Say Hi and Introduce Yourself
« Reply #1790 on: December 05, 2014, 08:42:19 PM »
Hi everyone,

6 month lurker, but a history of moderate frugality. I've obsessively read the blogs, and now i frequent the fourms for your great advice.

I am hoping to get a hold of some spreadsheets/tools from those who are wiser than I to use to actually calculate an more formal FIRE date (hopefully less than 10 years). 

Love being inspired by all your stories!

mullisjg2

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #1791 on: December 06, 2014, 04:19:57 PM »
Hello, my name is Jeremy and I'm 21 and married. I have been lurking this site for the past week or so. Really enjoy everything I'm reading and the whole philosophy of it. I came here to get off to a right start in life as I start my career. I just finished Airframe and Powerplant school in Florida and will be moving to Palmdale/Victorville California late January.

Looking for guidance in all aspects of life.

Noya

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #1792 on: December 07, 2014, 05:31:06 AM »
Hello, my name is Michael and I just ran across this site as I'm about to start using Ting!

The site seems great. I'm pretty frugal as is, but maybe I can get my sister and her husband to open their eyes and stop burning money (yet always bitching about money) on high-end cell phone plans, $250 Comcast bill, driving a 3-ton V8 SUV who's fuel bill is more than a payment would be on a 2010/2011 Prius, etc. etc.  I mean, at a glance they could easily eliminate $500 in monthly bills without "lowering" their quality of life. lol.

Cheery

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Say Hi and Introduce Yourself
« Reply #1793 on: December 07, 2014, 06:49:26 PM »
Hi!  I've been lurking for a couple of months and decided this is the place for me.  First goal to get out of debt:  credit card (what was I thinking???) and mortgage.  I think I can will do it by the end of 2015.

Wendythehamster

  • 5 O'Clock Shadow
  • *
  • Posts: 7
Re: Say Hi and Introduce Yourself
« Reply #1794 on: December 08, 2014, 11:50:34 AM »
Hi - another lurker coming in from the cold.  We (me, my husband and two kids  8 & 5) have been living a mostly MMM life for sometime (mortgage free, 401k maxed out and the start of a bushy 'stach) and I am so happy to have been reading through your website over the last few months - it has given us tips to take our fancy frugality to the next level - good to know we are not alone!  Empowerment through badassity!

Wendythehamster

  • 5 O'Clock Shadow
  • *
  • Posts: 7
Re: Say Hi and Introduce Yourself
« Reply #1795 on: December 08, 2014, 11:51:20 AM »
Hi - another lurker coming in from the cold.  We (me, my husband and two kids  8 & 5) have been living a mostly MMM life for sometime (mortgage free, 401k maxed out and the start of a bushy 'stach) and I am so happy to have been reading through your website over the last few months - it has given us tips to take our fancy frugality to the next level - good to know we are not alone!  Empowerment through badassity!

Wendythehamster

  • 5 O'Clock Shadow
  • *
  • Posts: 7
Re: Say Hi and Introduce Yourself
« Reply #1796 on: December 08, 2014, 11:52:56 AM »
sorry, no clue why it posted twice. whoops. oh well. what do you expect?  I am a hamster after all... 

kiblebuka

  • 5 O'Clock Shadow
  • *
  • Posts: 75
  • Age: 28
  • Location: NE US
Re: Say Hi and Introduce Yourself
« Reply #1797 on: December 08, 2014, 01:40:23 PM »
Lots of hellos to all! 26, female, ZERO BABIES forever.

I am paranoid about ending up living in a box under a bridge someday, so making it a 2015 goal to start investing, up the 401k contribution, and spend less on STUFF. Use my free time to play the video games I already have, or knit with the yarn piled in the bedroom instead of getting moremoremore. Been browsing the blog for a while now, but haven't wanted to jump in until now. Even then might just be in the wading end of the pool

Only debt on my back is my car loan, which has $9500 left at 3.0xx% interest (forget the exact number). Considering putting extra money in the payments to get that gone a bit faster.

Look forward to talking with everyone!

Sean_in_london

  • 5 O'Clock Shadow
  • *
  • Posts: 16
Re: Say Hi and Introduce Yourself
« Reply #1798 on: December 08, 2014, 02:31:08 PM »
Hi, I'm 33 and new to moustachianism... have been tracking my spending and despite saving 50% of take-home pay my spending is atrocious. That 2.40 daily coffee habit  is the first to go. Now making my own at work. It's a small start but there's much more to do.

korn_man55

  • 5 O'Clock Shadow
  • *
  • Posts: 5
Re: Say Hi and Introduce Yourself
« Reply #1799 on: December 09, 2014, 02:12:41 AM »
Like many of you, I have been reading and lurking in the background for some time now.  I am 31 year old nurse who homesteads with my wife and 4 wonderful kids, and thought I was pretty frugal until reading all of the MMM blog.  What an inspiration!  We grow a large portion of our own food especially meat, and we have a decent garden that I want to increase production.  I love the concept of mustachianism mixed with sustainability.   I look forward to interacting more on this forum.