Author Topic: Say Hi and Introduce Yourself  (Read 717108 times)

August

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Re: Say Hi and Introduce Yourself
« Reply #2600 on: January 24, 2016, 10:02:40 PM »
HI this is August

I am 50 and live in New York.  I have deliberately tried to keep my life simple for a long time to reduce my expenses.  About 14 years ago I became debt-free, then soon after started saving.  Unfortunately I didn't start investing properly until about 2010.  I am working full time, but would probably be okay financially if I was laid off.  My expenses are abnormally low right now because I live in someone else's house.  My future housing expense is a big unknown so I keep working and saving.

There's more to my story but this is just an introduction, so... hello.

August

withbatedbreath

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Re: Say Hi and Introduce Yourself
« Reply #2601 on: January 27, 2016, 07:10:32 PM »
Hi!  I've been lurking for a while and decided to finally post to force some accountability on myself.  I have no hopes of retiring early, but I want to get out from under my law school debt ASAP (~149k) so I can quit a job that is killing me slowly.  Single and trying to save money in NYC doesn't seem to be a good mix.  Hoping to make some big changes this year though!

DividendMonster

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Re: Say Hi and Introduce Yourself
« Reply #2602 on: January 28, 2016, 05:56:03 PM »
Hi,

I'm Brad and I run the blog, Dividendmonster.blogspot.com. I started into investing a short few years ago and it's the bug that I just can't shake. I'm hoping that it never cures and leads me to financial independence as soon as possible!
Dividend Monster
dividendmonsters.blogspot.com

CTLiving

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Re: Say Hi and Introduce Yourself
« Reply #2603 on: January 28, 2016, 10:43:35 PM »
Hi everyone - I discovered MMM and ERE about 6 months ago, and while it may be a tad cliche to say it changed my life, it... did.

I'm a 33 year old dude, and I live with my lovely fiance in Cape Town, South Africa.  One car, one mortgage, and one newly purchased MTB. I've never been particularly good about imagining myself 10, 20 or 30 years from now, but luckily managed to avoid a lot of financial potholes. No credit card debt, a car that's fully paid off, and 2/3rd's to go on the mortgage.  Even so, the realization that at some point I'd like not to work has been creeping up on me for some time, and what with my country's political leadership and tanking economy, it was all looking a tad grim. Started researching how one goes about ensuring their financial future, and discovered this whole arena. This newfound hope that I may actually get to retire before I'm 80 has me all fired up!
« Last Edit: January 28, 2016, 10:49:21 PM by CTLiving »

ELLIE786

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Re: Say Hi and Introduce Yourself
« Reply #2604 on: January 29, 2016, 12:30:59 AM »
Hi fellow Mustachians,

My name is Eleanor. I have been reading frugal blogs for a while. I have become more and more interested in frugal/simple living in the last several months. I have had a very difficult time last year because I am living beyond my means, have been all my adult life, and want to change that.

My story...

Starting with the bad...

I recently moved back to Europe from New Zealand (where I lived for 7 years). I didnít have much cash to spare at the time and couldn't really afford such an expensive move. I soon found myself homeless - I hadnít banked on not being able to find a rental place because I was a returning expat and landlords were asking for 6 months rent in advance as my income and references were overseas ones.

I didnít have 6months rent in advance. At the same time, I was making some updates to my online business (installing a new shopping cart and email subscriber system) and it went horribly wrong Ė I hired the wrong person to do it, lost a lot of money as a result, and had a website (my source of income)that wasnít functioning properly and no means to fix it. It was a mess.

Luckily the website is now fixed :)

I now find myself homeless, living in a variety of substandard Airbnb accommodation that doesnít meet my needs, in debt and with no savings or emergency fund. I am very annoyed at myself for being in this position and I am currently working on saving up for the 6 months rent in advance so I can get into a rental place.

The good:


I have a profitable online business that on average has made me $70,000 US annually after business expenses and before tax. I donít normally work more than 2-3 hours per day and much of my income is passive, with great potential for making more.

**************

My debts are as follows:

$26,000 in business loans (15% interest)
$5000 overdraft
$2000 owed to the IRD
$41,000 in student loans

No emergency fund or savings. Living pay cheque to pay cheque.

I am 32. My lifelong dream has been to own my own house. As a tenant I have been asked to move on frequently as landlords want to move themselves/family members back in or sell the house. I have had very little security or stability these last several years and would LOVE the financial peace and security that comes from knowing no-one can give me notice to move out once I own my own home.

I would also like to own a modest second home in another part of the country for when I am visiting family.

Here are my goals:

1.   Save up 6 months rent in advance
2.   Build up an emergency fund of $1000
3.   Pay off the debts one by one(Dave Ramseyís snowball method)
4.   Save for a home down payment (this will happen concurrently to goal 3)
5.  Save up for second down payment

I am expecting this will take me around 6-7 years.

Here are the ways I plan to do this. Please donít laugh at me if some of these steps seem really basic to you!

1.   Start consulting on the side

I can typically make an extra $65,000 per year if I do this 40 hours per month, every month.

2.   Cut grocery bill down to $140/week. I am currently spending way more than that.

3.   Go to public yoga and pilates classes instead of private ones, which I had done in the past, and community acupuncture, instead of private sessions

4.   Cleaning my own house

I may get a bike too. I am not sure on that one yet.

I could also trim my monthly budget of $850 discretionary spending (for toiletries, entertainment, stuff for house etc.) But donít want to be totally miserable. I donít know anyone where Iím moving to, and work from home so making friends and getting a sense of community is important and I donít want to trim my budget so much that I find it harder to do that.

Things I am already doing right:

ē   Havenít bought any new clothes in the last 12 months
ē   Bought a reliable used car with cash so no car payment
ē   Negotiated my virtual assistant for my online business down to half of her hourly rate

Thanks for reading and look forward to seeing you all around the forum!

-Ellie :)

Fluffy Clouds

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Re: Say Hi and Introduce Yourself
« Reply #2605 on: February 01, 2016, 06:26:37 AM »
Hi and introduce yourself

:)

francophile

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Re: Say Hi and Introduce Yourself
« Reply #2606 on: February 01, 2016, 12:56:32 PM »
Hello! Been reading MMM for about a year and a half, posting here a bit, though still have struggled to get everything together. I'm finally feeling like I'm making progress though, my financial picture is cleared. To FIRE one day is the dream, but to create more freedom and flexibility throughout my 30s.

I'm 31 and live in NYC with my lovely boyfriend. We hope to get married and have a kid or two in the next few years, creating a sense of urgency to get our money in line. We will never have a fancy wedding, I don't want one.

I'd like to say I have a positive NW but sadly, it's still negative, so this is what I'm working on:

DEBTS
-$13,500 student loan, refi'd with Sofi @ a variable interest of about 4%
-$22,000 consumer debt, parked in a combo of balance transfers and personal loan with interest ranging from 0-8%

ASSETS
-$4k in 401k
-$1600 in savings acct

SALARY
$62,000/year + 2-3k side income (me)
$82,000/year + 5k bonus (boyfriend)


The boyfriend has a similar amount in assets, about 3k in consumer debt, and about 90k in student loans. He is 30. His loans will continue to haunt us for years to come but I figure if I can wipe out my debts this will put us in a good place to aggressively tackle his when married.

Right now we split rent and all bills 50/50. He buys the majority of the groceries, which we try to keep around $100/month. We don't have cable, no cars (public transportation paid for with pre-tax income), share a family plan for our phone (T-Mobile for their free intl data, he travels a lot for work), and live in the cheapest neighborhood in our city pretty much possible, while still being relatively safe.

We used to spend far too much eating out and drinking but have curbed that a lot. I had a nasty clothing/beauty shopping habit, like a sucka, and have curbed that too. I am only buying essentials now. Obviously the consumer debt shows I have past sins. I hate myself for it and spent years in a cycle of 30% interest rates because I didn't know better.

At least now I know, and every little chunk of progress I make gets me excited to keep going.

Midcenturymater

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Re: Say Hi and Introduce Yourself
« Reply #2607 on: February 01, 2016, 07:29:13 PM »
Hello to everybody.

John, 30. Engaged to the Mrs., 26. Both computer engineers. Found this forum and the blog 2 days ago. Since then so much more things make sense to us. Without actually knowing about it, we have been living quite a part of the Mustachian life. Other parts we have been missing wildly, mostly because of our ignorance. This will lead to some hilarious statements you will see below, I swear these are true. Plus side that will make things interesting: We are from the other side of the Atlantic. Recently (5 months ago) moved to the Netherlands and we are currently planning to stay here at least for 6-8 years. we are currently behind the retire-early train, as we were ignorant to much things that would accelerate our plan a lot earlier, but we have recently decided to chase after the 42-44 year old retirement. Here's some of our info:

Couple net income: 60.000 euros (approx. 69k USD). Yep it is low, we are on the beginning of our engineering careers anyways, and salaries in most of Europe are on a low standpoint for the moment. Expected to rise by 3000 annually.

You sound like you are doing pretty good. But I would consider buying a house if your rent is that much for that little
Zero property taxes. That's precise, we own nothing that is taxable. No car, no house, no land.

Bank assets: 80k euros (92k USD) currently sitting completely idle (yep, that's one of the big things we have been missing -  not a single little plan for any kind of long term)

No kind of any debt whatsoever. No mortgage (obviously), no credit cards, no nothing.

We are living quite the modest life. We haven't have a TV for the last 12 years. We don't have expensive subscriptions to anything. I really really dislike new books and at the same time I love used books. I also never keep books at home, once we read them we give them away (that's right, we give stuff away all the time, we have a soft heart when it comes to taking other people's money for something that should be free in the first place like books). We use our bikes all the time (we're in the Netherlands, right?), rarely go out. I almost never shop for clothes but I do waste money on my personal computer and for my hobby of assembling and painting futuristic toy soldiers. Mrs buys clothes, but never expensive shit. We do on average 3 trips abroad per year, 2 to visit family and 1 to take some personal time. On that last one we were currently spending ridiculous amounts because it felt like we deserved it (more stuff I wisened up from during the last two days alone). With a rough estimation I would say we get by with spending 23000 euros per year. So we are saving 55% more or less.

Looking at the above, someone would say we got off to a great start and the mustachian dream can be seen in the horizon. The problem is I am not seeing it. My bank assets are too low to invest, or maybe I'm a coward. I also hate the fact that practically 50% of our yearly expenses go to pay for house rent. We plan to move in a much more affordable house come new year which would save us about 4200 euros per year (4800 USD). I am also wildly considering purchasing a house but I think I am too chicken to do it. Currently we are bleeding 1100 euros per month to stay in a 55 sq meter (500 sq ft) little apartment. Yes, I am aware that I do this wrong. I actually got aware of this 2 days ago, thanks MMM.

So my main question is: How do I un-coward myself to actually start doing smart choices when the purchasing prices are high?

Midcenturymater

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Re: Say Hi and Introduce Yourself
« Reply #2608 on: February 01, 2016, 07:34:04 PM »
John...you are doing ok to me. But I would consider buying a house.

I also give books away as most of them have little value on today's digital world. Most books that is.

I got chatting to this character at my local good will that sells books for 50 cents each. His job is reselling books. He turns up at good will at 10. Collects books, checks their value on his app. Then he travels to two bookshops. A good days haul is $200. A weak day us $70. Not bad for 5 hours work really.
But he probably goes through 1000s of books to get the 30 valuable ones he sells on. I was quite impressed by his initiative.
John you have good savings.I was still in college at your age. Just read everything on here and learn and live simply. The dream can be yours.

FINate

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Re: Say Hi and Introduce Yourself
« Reply #2609 on: February 01, 2016, 08:44:07 PM »
Hi,

My name is Nathan. Married w/ two young kids. We live in the Santa Cruz, California area. I FIRE'd last year at age 38 and am loving our life without the stress of work and commute. I've read MMM for a long time, finally got around to registering. We stay very busy with the kids and too many hobbies. Honestly, I don't know how I ever had time to work :)

AlwaysBeenASaver

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Re: Say Hi and Introduce Yourself
« Reply #2610 on: February 01, 2016, 08:50:11 PM »
Hi Nathan, welcome from another Santa Cruz area member! I feel exactly the same as you, don't know how I ever had time to work :-)

FINate

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Re: Say Hi and Introduce Yourself
« Reply #2611 on: February 01, 2016, 09:23:55 PM »
Hi Nathan, welcome from another Santa Cruz area member! I feel exactly the same as you, don't know how I ever had time to work :-)

Thank you, and great to meet you! More specifically I'm in Scotts Valley, but figured few people would have any idea where that is. Amongst many other things, very happy to not be commuting over The Hill this year with El Nino.

AlwaysBeenASaver

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Re: Say Hi and Introduce Yourself
« Reply #2612 on: February 01, 2016, 09:57:01 PM »
Hi Nathan, welcome from another Santa Cruz area member! I feel exactly the same as you, don't know how I ever had time to work :-)

Thank you, and great to meet you! More specifically I'm in Scotts Valley, but figured few people would have any idea where that is. Amongst many other things, very happy to not be commuting over The Hill this year with El Nino.
LOL I'm in Scotts Valley too, a few miles North of town. And yeah, I was commuting over the hill too, for way too many years. I've had to drive over there a few times since FIRE and I just can't believe I did that every single day. Now it feels like a long drive when I go down to Santa Cruz.

BougieButBroke

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Re: Say Hi and Introduce Yourself
« Reply #2613 on: February 01, 2016, 10:59:19 PM »
Hi Everyone, my name is Kristina and I'm new to ERE and MMM. I'm creative by nature, and trying to learn more about financial freedom and making my money work for me. Of course, I was introduced to MMM by a close friend who works in real estate development :) Looking forward to many great convos!

6leakertweeker

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Re: Say Hi and Introduce Yourself
« Reply #2614 on: February 02, 2016, 12:28:53 AM »
Hello all!

     I'm not sure how I found this site but it seems to fit me pretty well.  I'm a 27yo male from central Indiana.  I've owned 2 businesses in my past and am in the workings of my third.  A little over a year ago someone or something turned on a light bulb in my head on the way to work one morning making me totally financially aware.  I'm still not quite sure what caused that however, since then I've been a totally different person.  Most hate it, some love it. 
     Anyways, I've basically been glued to my google sheets since.  I produce 10k reports on myself yearly along with quarterlys and monthlys.  I know its over the top. 
     I can't wait to meet some like minded folks and learn some new things!

myamnesia

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Re: Say Hi and Introduce Yourself
« Reply #2615 on: February 02, 2016, 11:10:09 AM »
Hi,

I'm Rachel and love love love MMM, I've been following the site for about a year and have just realized how great the forum is! I'm 37, married with 2 kids, love my job, but plan to FIRE in 10 years! We own one rental property and we're in the market for more. Saving money makes me super happy!!

Jacks flunky

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Re: Say Hi and Introduce Yourself
« Reply #2616 on: February 02, 2016, 02:41:28 PM »
Hi there! I landed on MMM a couple months ago trying to figure out a DIY project (hitch box), and started browsing a bit. 6 weeks later I had looked at all the articles (some get repetitious if read in close succession or are preaching to the choir), and decided that I want to retire early, or at least have the flexibility to do so.

I am married, 30, with a 2 year-old. I am currently working on a masters in environmental engineering (fully funded), and my wife is taking prerequisites for PA school while working as a nurses assistant at a hospital.

My motivations for FI are
1) Spend time with my son, which may actually delay FI since my wife and/or I will likely work PT once we are both in the workforce; I figure we can work more once he is in school FT.
2) I like to do everything, and quite honestly, the idea of staying at the same (or a similar) job for 10 years is hard enough, let alone 35 years.
3) I want freedom to do something constructive (some buddies who also aim for early retirement and I have bounced the idea of home solar install non-profit connected to a for-profit business) while not needing to actually pull much money from the endeavor.

The user name? Well...Jack of all trades has to have someone to do his work, since he is a master of none. I can't claim mastery of much of anything, but...

Greenly Spirits

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Re: Say Hi and Introduce Yourself
« Reply #2617 on: February 04, 2016, 08:34:34 AM »
Hi, I'm Greenly Spirits. I like to run and try new things. I'm married and stay home with our toddler twins.

chetmanly

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Re: Say Hi and Introduce Yourself
« Reply #2618 on: February 04, 2016, 02:43:53 PM »
Greetings,

You can call me Chet. I also live in Colorado.

I currently am a CSR (but making money like a consultant, does anyone need a consultant?)

I'm 37 and I yearn to be free, and by freedom I mean to choose the work I want to do. Not what pays the bills now. Unfortunately this has been my entire career. When I first came across this blog I was incredulous. I looked at my expenses, looked at my income, ran the numbers. I was stunned to learn I could semi-retire in 10 years and fully retire in 15, with some big caveats and assumptions, but nonetheless it's possible!

Chet Manly
« Last Edit: February 04, 2016, 02:51:31 PM by chetmanly »

jordanread

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Re: Say Hi and Introduce Yourself
« Reply #2619 on: February 04, 2016, 03:40:31 PM »
Hi, I'm Greenly Spirits. I like to run and try new things. I'm married and stay home with our toddler twins.

We have runners, but if you'd like to take it to the next level, or just provide additional feedback, please join in on the S&F thread for this year. Link is in my signature.

Greetings,

You can call me Chet. I also live in Colorado.

I currently am a CSR (but making money like a consultant, does anyone need a consultant?)

I'm 37 and I yearn to be free, and by freedom I mean to choose the work I want to do. Not what pays the bills now. Unfortunately this has been my entire career. When I first came across this blog I was incredulous. I looked at my expenses, looked at my income, ran the numbers. I was stunned to learn I could semi-retire in 10 years and fully retire in 15, with some big caveats and assumptions, but nonetheless it's possible!

Chet Manly

Chet, what part of CO are you in? I'm almost 31, with miscellaneous issues I've needed to overcome.
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."

Camp Mustache Canada - Sold Out Already!!

angigypsy

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Re: Say Hi and Introduce Yourself
« Reply #2620 on: February 04, 2016, 05:34:21 PM »
I've been reading MMM for a few years and really want to be an adultier adult.

Here's a brief run-down of my life.

I'm in my mid-30's and live with my long-term bf and dog.
We each have a house, his is currently rented and we live in my house.
I mostly enjoy my job and it pays well.
I will destroy the remainder of my non-mortgage debt this year.



jh830011

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Re: Say Hi and Introduce Yourself
« Reply #2621 on: February 04, 2016, 06:44:28 PM »
Hello -

I am Jeff and making preparations to retire early - early for me anyway.  I am a bit older than many of the FIRE bloggers.  My hat's off to you for your accomplishments and your journeys.  I want to free up time to pursue other passions and to "do what I want, when I want" (credits go to those who said that before me). 

I live in Virginia.  I look forward to getting involved with the Forum and learning lots!

The Pharmacist

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Re: Say Hi and Introduce Yourself
« Reply #2622 on: February 04, 2016, 09:59:15 PM »
Hi folks!

I'm The Pharmacist.  I'm a recent graduate, interested in paying off my remaining $53k in loans as soon as possible and starting the road to financial independence (not sure about retiring early yet; mostly I just want to work on my own terms, not some corporation's).  I've been reading MMM for a few years now and am pretty gung-ho about saving and budgeting.  Now that I'm no longer in school, I'm trying to work on being more free with my time and living a more car-free life (we are very dependent on them in our current rural living situation).

I live in the middle of the upper midwest with my spouse and young child.  We like exploring the outdoors but feel like we spend too much time indoors.  We're thinking of moving back west to my hometown in a few years if we can ever make the numbers work.

chetmanly

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Re: Say Hi and Introduce Yourself
« Reply #2623 on: February 05, 2016, 09:50:06 AM »
Hi, I'm Greenly Spirits. I like to run and try new things. I'm married and stay home with our toddler twins.

We have runners, but if you'd like to take it to the next level, or just provide additional feedback, please join in on the S&F thread for this year. Link is in my signature.

Greetings,

You can call me Chet. I also live in Colorado.

I currently am a CSR (but making money like a consultant, does anyone need a consultant?)

I'm 37 and I yearn to be free, and by freedom I mean to choose the work I want to do. Not what pays the bills now. Unfortunately this has been my entire career. When I first came across this blog I was incredulous. I looked at my expenses, looked at my income, ran the numbers. I was stunned to learn I could semi-retire in 10 years and fully retire in 15, with some big caveats and assumptions, but nonetheless it's possible!

Chet Manly

Chet, what part of CO are you in? I'm almost 31, with miscellaneous issues I've needed to overcome.

Hi Greenly,

I am in Denver.

Chet

popcornflying

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Re: Say Hi and Introduce Yourself
« Reply #2624 on: February 05, 2016, 04:47:32 PM »
Hi everybody,   I'm popcornflying.  I like popcorn and travel.

My partner and I live in NY. I'm male, in my late thirties, personally FI if we move to a lower COL area but my partner is not ready yet. So I'm working in NY for now doing computer stuff.

I'm excited about this forum and the chance to meet others in the MMM community. At the office you have to pretend you love working, so it will be fun to finally interact with other people who are in on the joke!

headwinds

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Re: Say Hi and Introduce Yourself
« Reply #2625 on: February 06, 2016, 11:08:39 AM »
It's a long road for me! I'm good at making money but I'm also good at spending money, not so good at saving money. Age 36, about 35k in student debt, starting to make a little headway. My fiancť has a lot more than that, but we'll deal with that too. I'm excited to hang around here and learn the ways of the mustache.

chrisdurheim

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Re: Say Hi and Introduce Yourself
« Reply #2626 on: February 07, 2016, 12:59:30 PM »
I'm Chris (will be 34 in a week) - been reading MMM for about 3 years but haven't gotten on the forums until now.

I'm the sole income for our family of five and am blessed with a very mustachian wife and our 3 daughters are awesome with everything.

I've been putting into my 401k from the first day on my job out of school, but we did a lot more spending than saving early in our marriage. That said, we are happily free of all debt other than our mortgage and we are aggressively prepaying with the hope of being debt-free in the next 4 years.

Aside from that, I've been working on one of my passions - software development and am working on a web-based application that you can use to track income,  expenses, savings rate, and budgeting. I'll hold off linking until I've got more done. I'm going to scale back on treating it as a side hustle and just have it as a resource for others running off donations.

Good to meet you all!

Happy to finally be here on the forums!
Keep Thrifty, Live Better
{https://blog.keepthrifty.com}

theblackdahlia

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Re: Say Hi and Introduce Yourself
« Reply #2627 on: February 08, 2016, 09:34:29 AM »
Hi Everyone

Fairly new to the idea of FI. I always felt stuck...I no longer have that feeling.

29 years old from Connecticut. Just my partner and I in my small home. I've never enjoyed shopping or spending my money. Maybe a few splurges here and there on electronics! No debt other than my car loan (aggressively paying it off) and my mortgage. I was always afraid to invest... but after obsessively reading this blog, I will begin very soon. Extremely grateful I have stumbled upon such a great community!

ender

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Re: Say Hi and Introduce Yourself
« Reply #2628 on: February 08, 2016, 06:48:30 PM »
It is kind of crazy to think that there are so many pages of people who are completely living the "anti consumer" lifestyle.

Makes me wonder how many folks I work with are secret Mustachians :)

glider

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Re: Say Hi and Introduce Yourself
« Reply #2629 on: February 09, 2016, 04:01:32 AM »
Hi all joined up to discuss my current lifestyle problems and get some feedback.

Also looking to completely minimise all expenses and live a very frugal life.

I am 32 but really really struggle to hold interest in a job due to having done a lot of longterm travel recently and it affecting my desire to just knuckle down and become financially independent.

NoCreativity

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Re: Say Hi and Introduce Yourself
« Reply #2630 on: February 10, 2016, 05:03:19 PM »
HI. I'm Joe. I have a kid and a wife and would like to go on more adventures.

trix76

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Re: Say Hi and Introduce Yourself
« Reply #2631 on: February 11, 2016, 12:24:43 AM »
Hi, I'm Trix. Age 39, living in Seattle with my Mustachian boyfriend.

Before discovering the blog about 6 months ago, I was already making some lifestyle changes (becoming a bike commuter, cooking at home more, etc.). Since I found MMM, and especially the forum, I've been inspired to become a more conscious consumer, to sell or donate some unnecessary possessions, to increase my savings rate, and to learn as much as I can about personal finance (and how to fund ER). It's been really satisfying to feel like I'm moving toward a concrete goal, which is to hit FI in ~4 years.

I'm looking forward to learning more from you all, and hopefully contributing to the conversation too!

-Trix

stylesjl

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Re: Say Hi and Introduce Yourself
« Reply #2632 on: February 11, 2016, 02:45:18 AM »
G'Day everyone, I'm Stylesjl from Sydney, Australia. I'm here because I am prepared to live the dream of gaining financial independence. I have always had a frugal personality and a reluctance to spend money on unnecessary things and then I encountered MMM, who thinks much like me - Only better! I have already been inspired to look into my own personal finances and I found all kinds of places where I was spending money unnecessarily and where my own money was being underinvested, his philosophy has been quite illuminating into the nature of my own life and I think that there are still further improvements I can make.

eddiebolt

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Re: Say Hi and Introduce Yourself
« Reply #2633 on: February 11, 2016, 03:12:56 PM »
Hey,

I'm Josh. I now live in Springfield, MO, did my own home inspection on a 1877 Victorian on the "bad" side of town after living in Kensington, Philadelphia. I'm a volunteer pastor, SAHD, and Home Inspector. I'm inspired by MMM's frugality and generosity and hope to emulate his wisdom.

xxclaro

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Re: Say Hi and Introduce Yourself
« Reply #2634 on: February 11, 2016, 08:07:21 PM »
Hey everyone.

I'm Ed, live in Alberta Canada. Married, no kids, I'm a mechanic and the wife works at a home/agro place. Looking to learn how to use my money to its maximum potential and attain financial freedom!

Curious Cricket

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Re: Say Hi and Introduce Yourself
« Reply #2635 on: February 11, 2016, 10:53:24 PM »
Hi All, CC here from Seattle. Long time lurker, first time poster.

-Found MMM through reading other FI blogs-Financial Samurai, Go Curry Cracker, 1500 Days to Freedom, Budgets are Sexy, root of Good.
-Debt free except for mortgage
-Max out 401k, roth IRA every year and just started on HSA.
-Married 46 yr old with no kids. Wife is working on dissertation to obtain PHD
-I believe I'm very close to FI, but trying to determine when to pull the trigger.
-i invest in growth stocks but have been slowly converting my portfolio to DGI stocks.

FIREwoman

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Re: Say Hi and Introduce Yourself
« Reply #2636 on: February 12, 2016, 12:25:25 PM »
34 y/o from the US midwest here.

i paid off $34+k consumer debt (what) almost 2 years ago and am slowly turning mustachian. i have a low (per MMM standards) income but am currently saving 35% and working towards ratcheting that up all the time. i'm fully vested in a pension and getting started (yes, facepunch) with investing. my parents/mother were/are trainwrecks when it comes to finances and it took me too long to realize it.

i have no formal education but hope to rectify that soon. staching cash now for possible immigration to Canada.

i lurk as a preemptive measure; the fewer facepunches i need to give myself, the better.


"you don't have to see the whole staircase, just take the first step."
« Last Edit: February 12, 2016, 01:17:46 PM by FIREwoman »
Earns little, spends less.

Grim Reaper

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Re: Say Hi and Introduce Yourself
« Reply #2637 on: February 14, 2016, 06:24:58 PM »
Hello - Grim Reaper here.  I have been FI since 2010.  I still work, but I am looking for a more fulfilling career.  Thanks for MMM.com, it's nice to see like-minded individuals.  BTW - I can't grow a mustacheo because...well, I'm the Grim Reaper...
G.R.

The Good Lawyer

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Re: Say Hi and Introduce Yourself
« Reply #2638 on: February 16, 2016, 01:10:52 AM »
Well dammit, now I really want that user name... "What am I supposed to do 'bout my legs?"

Hello I am HLS,

I am glad to apart of this forum.  April 2016, I became completely debt free. Now, I am looking to build wealth.  I am 42 and feel like I have some ground to make up.  I have almost completed my emergency fund.  And I look forward to learning from these posts and appreciate any advice to help me become FI.

Thanks.

Sweetloveginger

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Re: Say Hi and Introduce Yourself
« Reply #2639 on: February 16, 2016, 01:40:24 PM »
Hello!

28 yo from the Northeast. Just discovered MMM and am working my way through each post. My husband and I are already pretty mustachian in nature, though there is always room for improvement. Looking forward to an early retirement/Stay-at-home Mom status at some point in the near future.

Nobodys Fault But Mine

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Re: Say Hi and Introduce Yourself
« Reply #2640 on: February 16, 2016, 09:11:17 PM »
Hi. I have lurked here for a few months and have just started posting.

My husband and I are trying to get back on track after a three-year layoff for him. He is working full-time now, but at 50% less than before.

My job hours were recently cut back from five days a week to three. I am looking for a second job to make up the loss in my wages.

We are in our late 40's.  We need to cut spending on groceries, cable, and beer for my husband, to begin with.

I have been gaining motivation from reading MMM forums.

NFBM

tnoskilz

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Re: Say Hi and Introduce Yourself
« Reply #2641 on: February 17, 2016, 12:37:35 PM »
Hi, I started reading the blog around Summer/Fall 2015.  Since then we've focused on our huge flaming debt emergencies.  Our little girl will be 2yrs old in May and we managed to make it work so that the wife stays home, so we already had a pretty tight budget for that first year with our level of debt and single income.  What we've managed in the last six months almost seems miraculous.  Debt consolidation (401k loan), even more massive debt payoff, refinancing two mortgages (with an ugly 2nd) into a single fixed, and trading a small v6 suv for a prius. Along with increasing 401k contributions a little at a time, it feels pretty damned awesome really.  It definitely makes me feel "more" badass, but I acknowledge that there are still areas for large improvements or that we've still decided to be wussypants about.

We're now gearing up for some renovations on the house we own here in Portland, Oregon.  Eventually we think we will buy another home and move, turning this one into a rental.  Renovations are to finish remodeling a partially demolished kitchen and otherwise with an eye to make the house easier to maintain as a rental (replace the remaining 60 year old galvanized plumbing with pex/abs and add some much-needed additional electrical circuits to the kitchen).  We already replaced the roof with a standing-seam metal roof a few years ago at a bargain price and paid that off about the same time I started reading MMM.

Otherwise, we like to go camping.  I'm addicted to surfing, even in the coldest waters, so we often camp at the coast.  I bike to work some, but mostly ride the bus lately due to injuries, illness, surgery, etc.  Definitely looking forward to switching back to the bicycle commute more often.

saver

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Re: Say Hi and Introduce Yourself
« Reply #2642 on: February 17, 2016, 08:58:00 PM »
Hi.  I'm saver and I'm pretty badass.  Bye.

RedmondStash

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Re: Say Hi and Introduce Yourself
« Reply #2643 on: February 17, 2016, 09:32:13 PM »
Hi all.

A friend pointed me to the MMM site a few years ago, and I've been reading and calculating and strategizing since then. Spouse & I have always been moderately frugal: paying down the mortgage faster, paying cash for cars, no other debt, living well under our means and investing the rest. We don't spend much on clothes, cars, toys, etc. I do most home repair work myself. We have no kids. We are both big geeks who work in IT, and we've done contract work for several years, sometimes taking months off between contracts to chill. So it's like we've done a lot of mini-retirements, which has been grand. But we're both ready for the last big push so we can cut the cord for good. I do love my job, though, so I may not leave right away even when the numbers say I can.

I recently analyzed the performance of our investments at a big fancy stock brokerage and discovered, to my dismay, that yep, common wisdom is right, financial planners do not get better performance for your money than you can yourself; in fact, on average, our accounts consistently underperformed the market by 1.5 to 2% over a 10-year span. So we've just fired our financial planner, moved to Vanguard, and bought index funds. The math bears out, but I'm still nervous. Also excited.

I watch friends moan about financial stress and then spend $10-$13 per day on lunch, or buy shiny new tablets or game bundles on Steam, and the lack of logic baffles me. I was taught not to buy what I couldn't afford, and to save some money from every single paycheck, and that philosophy has served me well. I wish I could sway others to the cause, but we all have our paths to walk, I guess.

Spouse & I love video games, comic books, reading, and other sedentary pursuits. When we're not working, we take in foster cats and dogs for the local Humane Society, and I write (and sell) fantasy and science fiction. In retirement, I hope to do more writing and to make indie video games.

We're still a year or two away from FIRE, and we're older than a lot of you -- 50s and 60s -- so maybe "early" retirement is a bit of a misnomer. But we have FU money, and knowing FI is right around the corner is such a stress reliever. If we both lost our jobs tomorrow and never worked again, we'd be okay. That's an amazing feeling, and one I rarely share with any but my closest friends. It's nice to be able to share it here.

I'm glad the blog and this forum exist. They've been really useful. So thanks.

stoaX

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Re: Say Hi and Introduce Yourself
« Reply #2644 on: February 18, 2016, 04:22:38 PM »
Hi - I've been lurking since 2008 or so...thought it was about time to actually sign on.  Many times I thought about replying to different posts, the curious thing is that as soon as I registered I felt like I had nothing to say!

SaintsFan

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Re: Say Hi and Introduce Yourself
« Reply #2645 on: February 19, 2016, 07:57:26 PM »
Hello,

Houston, TX here. Happy to be apart of the MMM community. Wish I had discovered this years ago and be a lot closer to FI.

Nomadsanity

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Re: Say Hi and Introduce Yourself
« Reply #2646 on: February 20, 2016, 09:51:02 AM »
Howdy all!

I am Nomad (people do actually call me by that name). As the name suggests, I move around a lot. My most recent move, effected in January this year, was number 28 in the ten years since I graduated from high school. I like to say that I have fully embraced a case of terminal wanderlust of my very own.

On the topic of finances, I have always struggled somewhat keeping my ducks together. I started really getting it together shortly before discovering MMM in my research. I have since read every post of the blog. I am in the lane and setting up for early retirement. The target: retire on my birthday 2022. Freedom is a grand gift to give.

Mtngrl

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Re: Say Hi and Introduce Yourself
« Reply #2647 on: February 20, 2016, 08:36:21 PM »
Hi, I'm Cindi. My husband retired at 58 almost 2 years ago. I still work as a self-employed writer (I write romance novels). We live in the mountains of Colorado with our two dogs and have been living the MMM lifestyle for years -- but just discovered this community. So nice to meet some kindred spirits.

shimrod

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Re: Say Hi and Introduce Yourself
« Reply #2648 on: February 21, 2016, 06:06:20 AM »
Hi, I'm shimrod.

I'm 34 and I've just reached enough discretionary income to make savings and investments a serious consideration.

The main thing I'm hoping to find some help with is the fact that the 5% interest after inflation on investments seems outrageously high for funds easily available where I live.

On the upside, I'm debt-free and I've been managing my spending largely (not altogether) according to the principles advocated here ever since I had my own money to spend.

BKrueger

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Re: Say Hi and Introduce Yourself
« Reply #2649 on: February 21, 2016, 06:49:57 AM »
Hi I'm Brandon.  My wife and I are both in our early 30's and are looking to achieve FI in 10 years.  After that, we want to work part time and live in Sicily and use our location as a launching point to explore Europe and Africa.