Author Topic: Say Hi and Introduce Yourself  (Read 548702 times)

TightFistedScot

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Re: Say Hi and Introduce Yourself
« Reply #3000 on: November 05, 2016, 10:14:04 AM »
Hi MMM Community!

This is my first post, but I have been following MMM for nearly 2 years. I first learned of MMM listening to him interview on CBC radio (I'm in Toronto). It was a critical learning moment for me as I was just entering my first semester of a phd program. I was really beginning to feel the financial struggle of going from earning about 70k per year with very little expenses, down to 45k and managing my first home with a rental unit (more on that in a sec).  I voraciously read everything I could, nerded out with a couple of friends who were into living a frugal lifestyle, and subsequently had a "buy-nothing-year" from January 2015-February 2016. I allowed myself to buy life experiences (ie I did buy a flight to Mexico but all my other expenses were covered by my parents who were there for the winter), but no material items. I ate in a restaurant about 3 times between Jan '15-April '15. As part of this lifestyle I also sold my car over a year ago and I bike approximately 20 kms per day to and from my office. I will take public transit in the winter, though.

Some more specs:

-I'm 31, single, no kids, no debt except for mortgage.
-I don't follow a budget, but a frugal lifestyle/orientation toward finance and living a simple life.
-I purchased a small house in Toronto a couple months before starting my phd (2+ years ago), because I knew I would never qualify for a mortgage again for 5+ years (until I am back in full-time work force). I was incredibly fortunate to have my parents help me toward downpayment. Thank god I got in at that time, the Ontario government has recently made some policy changes which make purchasing real estate more difficult for those earning less than 100k.
-I live in the basement apartment and rent out the main floor, which covers the mortgage+property taxes. I pay all the bills for the house (approx $500/month). I also learned how to do some renovations myself this way! Cool life skills.
-I was lucky to get a merit-based federal scholarship and fellowships this year (all tax free), and a teaching assistantship (taxable) which pays about 4k per semester. This, along with rental income (taxable), brings my earnings to around 50-55k this year.
-I am considering to sell my place and buy a condo, because based on the strength of the Toronto market now I could sell and essentially buy a condo for cash and live nearly mortgage free. I also hate being a landlord with a burning passion. LOL
-I am just starting to learn about investing. I am a total newb and would love to pick someone's brain on the subject. I may put 5k into a wealthsimple account this winter and see how it goes.

I don't know if I want to retire early. I glean a lot of pleasure and life satisfaction from the work I do (my research/advocacy work is all around improving the health of LGBTQ people). But I do know I want to have the option to make that decision later in life. Also, I do wonder if I will perhaps want to have a kid in the next few years, so also saving for that. :P

Thanks for listening and really looking forward to participating in the community and learning lots from all of you!




BuffaloStache

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Re: Say Hi and Introduce Yourself
« Reply #3001 on: November 05, 2016, 12:03:28 PM »
Hi MMM community! Like many here, I've been following the MMM blog for a long time (~2 years), and finally decided to jump into the discussion. I've always been somewhat frugal, but I admit I had a serious bought of Wanderlust when I was in college and grad school. As such, my 'stache isn't nearly as large as it should be.

I'm a soon-to-be-30 engineer in Colorado, making a pretty good salary. I'm looking forward to becoming a community member and building my stache!
« Last Edit: November 09, 2016, 09:41:02 PM by BuffaloStache »
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BaronB

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Re: Say Hi and Introduce Yourself
« Reply #3002 on: November 07, 2016, 07:50:18 PM »
Howdy from Oregon. Mid-30's pharmacist shooting for FI around age 45. Just got a mortgage but tackling down consumer debt before really socking money into my Vanguard account. Going to go ahead and do the 401k with my employer since there's a match. Here's to not having to spending the rest of our lives punching a clock.

aceyou

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Re: Say Hi and Introduce Yourself
« Reply #3003 on: November 08, 2016, 08:52:50 PM »
Hello from Michigan.
- I'm 33 and married with 4 year old and a 1 year old. 
- Im a teacher, my wife is in public education also as a consultant
- Found MMM 2 years ago
- Expect to be FI around 41
- Looking to FIRE at 48 (so we get pensions)

Before MMM: we were naturally saving about 20% of our income, but didn't do anything with it, it just piled up in the bank.
After MMM: we now have our savings rate over 50%.  Most goes to 403B/457/Roth IRA, some goes to principal on mortgage. 
How this has happened:
 - Cut food spending in half
 - Cut car spending a bit
 - Refinanced mortgage
 - less random spending
 - way fewer taxes from using 403/457
 - we continue to earn more each year

BuffaloStache

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Re: Say Hi and Introduce Yourself
« Reply #3004 on: November 09, 2016, 09:42:12 PM »
Before MMM: we were naturally saving about 20% of our income, but didn't do anything with it, it just piled up in the bank.
After MMM: we now have our savings rate over 50%.  Most goes to 403B/457/Roth IRA, some goes to principal on mortgage. 

Great progress! good luck!
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BrokeNoMo

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Re: Say Hi and Introduce Yourself
« Reply #3005 on: November 10, 2016, 07:45:04 AM »
Hello MM world!

I'm 47, married with 2 kids that have moved out; and now we have a 5 month old grandson! (He's the best :) )

We have recently found MM and started down the path of FI. Chronic health issues have long clouded our judgement in money matters. Our oldest daughter was saved from SIDS at 3 days old, but ended up with life long health issues until she passed away at age 12. My wife was born with transposition of the great arteries which meant surgery early on, then a pacemaker for most of her life, then a heart transplant at age 29. Needless to say these events made accumulating any capital almost laughable. It also skewed our vision in many other ways. Our plans were often way-layed by unexpected bills which after a number of years became a cycle of despair that allowed us to talk ourselves into splurging on things we couldn't afford. We never planned on EVER being able to retire.

For many years we lived as frugally as we thought possible. Doing all the little things just to make it payday to payday. It was through my interest in all things frugal that I ran across the MMM blog. I absorbed every page and began to question our choices and WHY we had made them. It hasn't been easy, as this is a very emotional issue when you live an entire lifetime believing that the casino of life was rigged against you and there was no way out.

The last few years have been one of minimalism and prioritization. We have dug ourselves out of a big hole and are nearing our first goal of being debt free except for the mortgage. For the first time in our lives we are going to save more than the company 401k matching. We have each opened Vanguard accounts and we are discussing how to best attack our mortgage and get the freedom we are so desperate for. To me it is more than just my hair on fire; every waking minute of what we have left in life is too precious to spend stressed out and working for uncaring, faceless corporations.

Hope this wasn't too much too fast. Glad to be a part of this forum. I have learned alot from you already!


Seattle Carter

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Re: Say Hi and Introduce Yourself
« Reply #3006 on: November 10, 2016, 08:01:58 AM »
Hi all,

I am 39 and am married with 2 children (5 & 6). We live in Seattle and are both full-time employed in the tech industry. I have been aware of MMM for a few years, but have only started reading his posts and this message board in the past few months.

My interest in FE lies in my desire to spend more time with my children and more time doing things that I'm passionate about. I am currently in the process of researching a move out of Seattle and to a nearby but more rural setting. My wife and I have only just begun to get a handle on our monthly budget and spending, but we're naturally frugal people so I think it's more about visibility than making massive changes.

Anyway, happy to be here.

Linda_Norway

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Re: Say Hi and Introduce Yourself
« Reply #3007 on: November 11, 2016, 05:39:17 AM »
Hello all,

My name is Linda and I live in Norway. I found this website when I searched on the internet after "early retirement" and found it very useful.

My husband and I have never been big spenders. Originally we are Dutch and when we decided to move to Norway, which is an much more expensive country, we became very careful in spending money. Now we are almost 20 years later and we have always been able to live of 1 netto income, while receiving 2 incomes. Thus saving 1 netto income a year. A couple of years ago my husband suggested that we should retire early, in 10 years time, when he is 50 and I am 48. I found this a shocking idea and was sceptical about it. But we have saved so much money over the years, that it might be realistic. And it hasn't felt like living in any extreme way, we have just watched our expenses, which felt natural to do.  I have thought about moving out into the country where houses are cheap after retirement, or even moving abroad where your we could buy more for our money. This is of course very depending on valuta fluctuations.

When I found this website, I was inspired that more people actually are taking this seriously. I had no idea of this. On Norway people don't speak about this. Compared to what is suggested on this website, our plans of retiring at 50, is even old.  Somewhere on this website I found that you should own approximately 25x your annual spending to be able to retire. We have currently about 20x our annual spending.
I am a bit in doubt whether I should not take out some more spare time already now and start working 80% or so. My husbands idea is to not retire to 100%, but to generate a small amount of money which is then not highly taxed, and combine that with living of our bank account. So we are in a process of making future plans. I'm looking forward to being on a forum where people think the same way.

Things we do to typically to live cheaply:
- For 15 years, we lived in a cheap house with low living costs like private water and sewage system. Recently moved to a more expensive house, but without a mortgage.
- Brewing our own beer
- Do home upgrades and repairs ourselves instead of hiring people
- Go tenting during holidays. Tenting in the mountains in Norway is for free.
- Don't buy many clothes and wear the same old clothes for years
- My husband is good at sewing and sometimes makes our hiking clothes and equipment
- We buy and sell things second hand. Like our dining table and chairs.
- When needing to buy something new, we look around for the cheapest shop. Or wait until sales.
- Make sure we have the cheapest subscription for phone, insurances, electricity etc.
- Only receive the 3 free (and commercial free) Norwegian TV channels
- Don't have a newspaper subscription
- We seldom eat in restaurants and make good food at home
- We seldom drink in café's. Alcohol is very expensive here in Norway.
- Buy petrol on cheap days
- We do sports that don't cost much, like running, cycling and cross country skiing, all in the wild.
- I do cheap things with friends, like hiking in the local forest and picking mushrooms.
- Occasionally we catch our own fish for dinner.

VoteCthulu

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Re: Say Hi and Introduce Yourself
« Reply #3008 on: November 11, 2016, 12:29:08 PM »
Hi, I'm 36 and single from Minnesota. I've been reading MMM for a few years now, and recently started to get serious about not working (at least a 40+ hr week) ever again.

Fortunately I'm a natural saver, but unfortunately I've made a number of bad investment choices over the years. Buying too much house and investing in oil before the crash has delayed my retirement, but hopefully the lessons I've learned can prevent worse mistakes in the future.

JerBlue

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Re: Say Hi and Introduce Yourself
« Reply #3009 on: November 11, 2016, 06:09:12 PM »
Hello from Utah!

I'm a 33 year old single guy from the greater Salt Lake City area. I have been reading the MMM blog regularly since July of this year, although I had previously read some of the articles here and there over the past couple of years. I have also been reading a number of the ERE blogs, as well as read the ERE book(rented from the Library). I often search the internet/library/YouTube/TEDTalks for all information on FI that I can find. I generally take most information I read/view with a grain of salt and a healthy dose of skepticism, however, overall I have really enjoyed the information I've learned on the blog thus far. I am just now joining the forum portion of MMM and I look forward to learning from many of you and perhaps I'll hopefully have some value to add and share with you all as well.

Some random info about me:

-Not FI yet, not sure exactly when that will occur. I do enjoy my career that I have been with for 12 years, it does provide great benefits/pay, and it's fulfilling.
-I don't spend much aside from mortgage, utilities, insurance, and food.
-Estimate that I probably have a savings/investing rate of approximately 45-50% of my Gross income. Continually finding ways to become more efficient with spending.
-I feel quite a bit at home here, being a bit "extreme" with finances compared to most people in my life (Family, friends, coworkers, etc.) I am often referred to as cheap, which is untrue, I just don't buy things where I don't see value.
-Have also recently been intrigued by the minimalism movement as well, and I find a lot of value from it. Much of it correlates with FI.
-House wise, just refinanced from a 30 year 4.125% to a 12 year @ 2.99%. (Closing cost was ultra low -with a Credit Union). Planning on paying off early anyhow, although I've been debating on whether to invest what I would have used to pay off early in a low risk investment earning at least 2.99% so that the money isn't all tied up in the house. I see the pros and cons, so we'll see what happens there. I do live in my basement and rent out three extra rooms upstairs, so it basically pays for itself.
-One of the major cons of this lifestyle is dating...I am not sure about the rest of you singles here, but I have found dating to be rather challenging, at least in my area. I can't imagine it is much different elsewhere in the USA, however I'm curious to see how others find and meet other FI/Mustachian minded singles. Most people in the dating scene here seem completely turned off by frugality, efficient use of resources, and FI?! (I get that it's a paradigm thing, but rather frustrating nevertheless).
-No debt aside from the mortgage, and I currently drive a 1998 Honda Accord, although I have been wanting to upgrade to something a bit nicer and more functional like a used Pruis or Yaris Hatchback...although to be brutally honest, a large part of me really wants a 4Runner, for many reasons, most notably the functionality and extremely high reliability. (It's not particularly fun getting stuck in the snow/ice in the high altitude canyons of Utah). The gas mileage, environmental impact, and price tag make me ultra hesitant however. (I do still plan on buying a carrier to pull behind my bike as I do enjoy biking for fun, local travel to work, etc..).
-Love the outdoors; camping, hiking, backpacking, etc. Also love cooking healthy meals, fitness, training for Spartan races, and enjoying the simple things in life.
-I obviously have a lot to learn, so I am very glad to be here! I haven't read many of the threads yet, however it seems there are a lot of experienced Mustachians!!

Once again, I'm looking forward to learning from you all and perhaps making some new friends.
"You can't live at all unless you can live fully now" -Alan Watts
"The price of anything is the amount of life you exchange for it" -Henry David Thoreau
"Simplicity is the ultimate sophistication" -Leonardo da Vinci
"Insanity: doing the same thing over and over again and expecting different results" - Albert Einstein

FrugalFox

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Re: Say Hi and Introduce Yourself
« Reply #3010 on: November 12, 2016, 02:16:37 PM »
Hey everybody,
I'm 35 years old currently saving fairly hard to achieve financial independence. I've started a blog where I discuss Frugality, Investing, Saving and Travel. The site is hotelsandmoney.com
I'm interested to find out how many people have achieved FI but still have a partner that still chooses to go to work.
FrugalFox

Crillst

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Re: Say Hi and Introduce Yourself
« Reply #3011 on: November 14, 2016, 04:41:26 AM »
Hi there!

Working towards FIRE in a Swedish economy. Got two months a year covered by dividends so far.
I've been reading Mr Money Mustache posts for around 3 - 4 years now and figured i would join the community.

rlcoronado

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Re: Say Hi and Introduce Yourself
« Reply #3012 on: November 14, 2016, 09:36:12 PM »
Hi folks,

I'm Rocky, from Philippines, 24 years old. Saw MMM last year but only decided to join the forum and read through its contents this week. I've already setup my emergency fund, I have a mutual funds investment, and looking forward to learning more so I can achieve the Financial Independence I set for myself.

Cheers!

ferociousfinancials

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Re: Say Hi and Introduce Yourself
« Reply #3013 on: November 15, 2016, 09:22:42 AM »
Hi, I'm John, I'm a millenial striving for FI and entrepreneurship.

Sent from my LG-H830 using Tapatalk


travelawyer

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Re: Say Hi and Introduce Yourself
« Reply #3014 on: November 15, 2016, 10:20:35 AM »
Hi!

I'm a 33 year old financial services lawyer in San Antonio (DH is 34), and I'm currently pregnant with our first child!  My FIRE goal is $2 million and a house, aiming for 2026 (age 43).  I want to slow travel the world, and with a family that won't be cheap. (DH would rather move to CA and stay put, so we have some negotiating to do...)

AlohaOrang11

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Re: Say Hi and Introduce Yourself
« Reply #3015 on: November 16, 2016, 12:19:16 PM »
Heya!

In my 30s. From Toronto, Canada.
Was in Engineering but went into Branding - still have those Engineering OCD tendencies though...

Been following MMM for the last couple of years and have been systematically cutting down expenses.
At that point where the "cutting" is affecting social relationships (or maybe this is just in my head).

Eitherway, looking forward to learning/contributing in the community.

Cheers,
Steve

GrowingStache

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Re: Say Hi and Introduce Yourself
« Reply #3016 on: November 16, 2016, 02:25:23 PM »
Hi everyone,

I am 42 years old, married, no kids. I have been following MMM for a few years but we started making FI a priority back in 2005 and we have surpassed our initial FIRE goals. We currently live in an expensive location. The plan is now to move to a cheaper location next year and semi-retire. Hopefully we can still make enough money from work to pay the bills without touching the stash so that it can compound a few more years. But our portfolio should be able to pay the bills even without earned income if need be.

BussoV6

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Re: Say Hi and Introduce Yourself
« Reply #3017 on: November 17, 2016, 03:55:03 AM »
Greetings from Johannesburg, South Africa.

I'm 55, a metallurgical engineer, working for a large global chemical company. Plan to cut back and just take on the technical part of my job and palm off all the shitty admin on someone else in the near future. My DW has been retired about 10 years but makes quite a bit in private equity mining projects. She wants me to retire now, but I really enjoy a good part of my current job.

Lots of useful info here for me. Thanks in advance!

EEBookDesign

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Re: Say Hi and Introduce Yourself
« Reply #3018 on: November 19, 2016, 03:08:24 AM »
Hi everyone!

I've been a reader/lurker for about 2 years now and decided to finally come out of hiding and join the forum!

Im forever grateful to MMM not only for changing my focus in life from spending to living, but also for introducing me to marksdailyapple. Both websites have positively changed my life and that of my SO.

I'm a 35 year old Dutch woman living in France (my SO is French). We have 3 kids (6, almost 4, and 6 months), and I work 32 hours a week as a desktop publishing technician.

Thanks to MMM i've got some savings and new life priorities that will allow me to quit my office job and start my own business somewhere in 2017.

Thanks for reading and see you around on the forum!
E

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BetweenSips

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Re: Say Hi and Introduce Yourself
« Reply #3019 on: November 26, 2016, 01:02:43 AM »
Hello MMM forum!

I've been digging through the backlog of posts, and the more MMM spoke about the forum the more I wanted to join.

Although not a reader, my Partner has always led a fairly mustachian lifestyle. When we first moved in together I remember his sheets were worn with holes (but they still work and they were comfy!). He's been an excellent influence but I came here to learn more for myself and keep me motivated and inspired.

I am 29 year old from Scottsdale, AZ with one 2 year old and one on the way (3 more weeks!). I recently left full time employment as a Project Manager for Franchise rollouts so I could stay home with my sweet little ladies full time.

We do not have any debt currently, but we are renting an apartment in Scottsdale to be close to work. My Partner rides his bike, and soon I'm going to be offloading my Charger in exchange for a more reasonable hatchback.

I am very interested in living a more sustainable/lower footprint lifestyle. In my relationship I tend to be the handy one and I love DIY! When I say DIY, I tend to mean plumbing and building not so much crafting.

I am excited to connect with others on the board!

bamfsaver

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Re: Say Hi and Introduce Yourself
« Reply #3020 on: November 26, 2016, 06:16:35 PM »
Hey all!

Been lurking here for awhile and I guess it's time to finally come out of the shadows.

I'm 26 years old from Singapore - still single so I have a huge runway of savings and investing ahead of me. I've had an interest in finance and investments for quite a while so naturally my full time job is working as an analyst for a boutique fund.

I've been a natural saver since forever so it isn't that difficult for me to adopt the Mustachian way of life. Only thing that's holding me back is the fact that Singapore is currently one of the most expensive places to live in the world, and that in itself is anti-mustachian. The only light at the end of the tunnel would be Singapore's tax regime - 0% capital gains and dividend taxes.

Looking forward to contribute and learn from you guys!
More money has been lost reaching for yield than at the point of a gun. - Ray DeVoe

rachellynn99

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Re: Say Hi and Introduce Yourself
« Reply #3021 on: November 27, 2016, 11:46:03 AM »
First post, I've been stalking the MMM blog for a bit, and the forum more recently. I'm 34, husband is 36. We have three kids. I'm a faculty member at a public university and a Registered Dietitian. I probably could be making more in the corporate realm, but enjoy having the breaks with the kids and not working during the summer. My husband is in IT.

We make decent, especially for our tiny town in the South. We have a lot of debt. We like to spend too much money. We travel too much. We each contribute 10% to our 401k and have a match through our companies. We put a bit away into each kid's 504 each month. We pay our bills on time, but find we aren't making much progress on our debt, and need to be saving more money.  We haven't accumulated any additional debt in a while, but again, just need to be making better progress.

We do some frugal things; eat only deer meat we harvest ourselves, I can a lot each summer from our garden. But we also enjoying fancy foods and dining out.

We really just need to focus, and I think we are both finally to a point to do so. I'm ready to get some traction. I look forward to getting to know more of you and learning.

MommyCake

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Re: Say Hi and Introduce Yourself
« Reply #3022 on: November 28, 2016, 03:57:56 AM »
Hi everyone!

I have been reading the articles and posts for several months and I thought I'd finally post... I'm 35 with an 8mo old, living with boyfriend.  I have no debt except for a mortgage on a rental property (formerly my residence) which I'm upside down on.  I found this site while home on maternity leave, which is when I realized I'd rather stay home with my baby than keep working. I have a few different (and conflicting) financial goals, and I know that clarifying what I want (and when) will be the first step.  This site has been tremendously helpful as I'm learning to live more simply and scale back on the expenses.  I look forward to talking to you all!

MissPiggy

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Re: Say Hi and Introduce Yourself
« Reply #3023 on: November 28, 2016, 04:46:54 AM »
Hi guys from Sydney, Australia!

So nice meeting you all!

Just discovered MMM blog and forum after listening to a Mad FIentist podcast interviewing MMM about a month ago. Since then I have listened to all his podcasts, started commenting and following numerous MMM forums, and reading many other FI bloggers and vloggers.

A bit about me:
- 26 yo, 3 years out of uni and in a full-time job
- save about 25% of my income, have the potential to save 40%
- always been money-conscious but since working full-time (3 years ago) I've regularly blow the budget and lived outside of my means, mostly due to entertainment expenses (dining out/drinks at bars) with friends
- never had a credit card, only debt is student loan (which is deducted from my pay through tax)

Since reading FI blogs, I'm:
-  monitoring all my expenses to the dollar!
- focusing on seeking value out of purchases instead of cheap-thrills
- challenging and questioning social expectations and pressures in my social circle which is focused around high-cost wining and dining
- aiming to be financially independent by 35
- even started a personal FI blog to catalogue my journey!
xx Miss Piggy

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The Earnest Addiction - A Millennial's Journey to FIRE
https://theearnestaddiction.wordpress.com/

marty998

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Re: Say Hi and Introduce Yourself
« Reply #3024 on: November 28, 2016, 04:49:43 AM »
Hi guys from Sydney, Australia!

So nice meeting you all!

Just discovered MMM blog and forum after listening to a Mad FIentist podcast interviewing MMM about a month ago. Since then I have listened to all his podcasts, started commenting and following numerous MMM forums, and reading many other FI bloggers and vloggers.

A bit about me:
- 26 yo, 3 years out of uni and in a full-time job
- save about 25% of my income, have the potential to save 40%
- always been money-conscious but since working full-time (3 years ago) I've regularly blow the budget and lived outside of my means, mostly due to entertainment expenses (dining out/drinks at bars) with friends
- never had a credit card, only debt is student loan (which is deducted from my pay through tax)

Since reading FI blogs, I'm:
-  monitoring all my expenses to the dollar!
- focusing on seeking value out of purchases instead of cheap-thrills
- challenging and questioning social expectations and pressures in my social circle which is focused around high-cost wining and dining
- aiming to be financially independent by 35
- even started a personal FI blog to catalogue my journey!

Hey there, nice to see another local :)

35 is a challenge... I'm trying to do the same.

MissPiggy

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Re: Say Hi and Introduce Yourself
« Reply #3025 on: November 28, 2016, 05:03:49 AM »
Hi guys from Sydney, Australia!

So nice meeting you all!

Just discovered MMM blog and forum after listening to a Mad FIentist podcast interviewing MMM about a month ago. Since then I have listened to all his podcasts, started commenting and following numerous MMM forums, and reading many other FI bloggers and vloggers.

A bit about me:
- 26 yo, 3 years out of uni and in a full-time job
- save about 25% of my income, have the potential to save 40%
- always been money-conscious but since working full-time (3 years ago) I've regularly blow the budget and lived outside of my means, mostly due to entertainment expenses (dining out/drinks at bars) with friends
- never had a credit card, only debt is student loan (which is deducted from my pay through tax)

Since reading FI blogs, I'm:
-  monitoring all my expenses to the dollar!
- focusing on seeking value out of purchases instead of cheap-thrills
- challenging and questioning social expectations and pressures in my social circle which is focused around high-cost wining and dining
- aiming to be financially independent by 35
- even started a personal FI blog to catalogue my journey!

Hey there, nice to see another local :)

35 is a challenge... I'm trying to do the same.

Sydney represent!

35 is a push... but I'm ambitious and frankly don't want to be chained to my corporate desk for another 40 years.
xx Miss Piggy

-----
The Earnest Addiction - A Millennial's Journey to FIRE
https://theearnestaddiction.wordpress.com/

Becca143

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Re: Say Hi and Introduce Yourself
« Reply #3026 on: November 28, 2016, 06:51:20 AM »
Hi

Becca

Mystery Money Man

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Re: Say Hi and Introduce Yourself
« Reply #3027 on: November 30, 2016, 12:02:54 AM »
Hi everyone!

Mystery Money Man here....let's see, a little bit about me.

I blog over at http://www.mysterymoneyman.com. I'm also a member of the AOL Finance Collective, over at AOL.com

Big fan of MMM, been a visitor to this site for a while, but just thought I'd jump onto the forums now. 

My biggest passion in life happens to be music, and so I divide my love for personal finance blogging with time in my recording studio and on stage fronting an alt rock band. Just a heads up that if you happen to find me out on Apple Music or Spotify or something, I'll never admit it's me. ;)

I do have a 9-5 that I hope to walk away from in about 5 years, to work for myself, hence my drive towards Financial Independence. 

Mrs. Mystery Money is my beautiful wife of 17 years, and we have three amazing children.

Look forward to joining the many great conversations here!

JezL

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Re: Say Hi and Introduce Yourself
« Reply #3028 on: December 01, 2016, 03:29:17 AM »
Hi, I'm Jez. 29. Married. One kid who's 6 months now. Up until now, have always been a bit reckless with money, spending first, thinking second, but now we've started a family, want to reign in the wild side and be more responsible. Hoping that this forum is just the thing I need to keep me focused.

WilliamArthur

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  • Location: Southwest Ga
Re: Say Hi and Introduce Yourself
« Reply #3029 on: December 01, 2016, 06:18:07 PM »
Hi!
I am William, currently a senior high school student in Southwest Georgia, and have been interested in FI since 10th grade. Through actively educating myself through blogs (Mr. Money Mustache was my first) and books, I know that I'll be able to retire by 35. I can't wait to learn and interact with those on different paths, but the same destination!
"It is not enough that we are truthful; we must cherish and carry out high purposes to be truthful about."- HDT

Poundwise

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Re: Say Hi and Introduce Yourself
« Reply #3030 on: December 04, 2016, 11:06:00 AM »
Hello!  After lurking for 3 years, I've already done a lot of posting in the last couple of weeks as I've been sick in bed and I'm bored. I'm a lady of a certain age, with three mostly-adorable kids and an always-adorable husband.  I used to be a SAHM, then a WAHM, and now I'm a SAHM again.  In our twenty years together, DH and I have lived frugally and within our means, but I'm always looking out to streamline our lives. I also look to fortify myself against envy of the big spenders who surround us.  Early retirement is not really a goal, since DH, Dr. Poundwise, lives to work (scientist) and I also look forward to the time when the kids are grown and I can turn my abilities outward a bit. However, it's nice to be able to pick and choose.

I've really enjoyed reading the forum and look forward to interacting with you wise heads more.

alex@seed4great

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    • Great life for less money
Re: Say Hi and Introduce Yourself
« Reply #3031 on: December 05, 2016, 11:31:34 AM »
Hello, my name is Alex and I was reading this forum for long time. But just recently decided to be more active in this direction: started my blog at seed4great.com and will try to share my thoughts with other people. I am in engineering career for 25+ years. I may have enough assets to retire, but I was really not looking for retirement because I enjoy my work very much. However the recent changes in entire industry and in the particular area I am in (electrical engineering) does not look good, especially for older guys like myself. The changes in industry landscape are so drastic, that they do not leave much space for those 50 and older. This is the reason I started to explore the possible roads to take in this situation. I was doing a research on my own inspired by many great blogs around, including of course Mr. Money Mustache. I shared some thoughts in a couple of articles I already published, and I will continue to do that. I believe in a power of sharing information: we live better and stay better, when we are informed.
The greatest lesson in life is to know that even fools are right sometimes.

emily1994

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Re: Say Hi and Introduce Yourself
« Reply #3032 on: December 06, 2016, 12:09:47 PM »
Hi everyone! My name is Emily and I am a 22 year old recent college graduate. Since I've joined the 'real' world I've found myself stressing daily about my finances and how to save up (I've had money anxiety since I was a kid).

rduncan1216

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Re: Say Hi and Introduce Yourself
« Reply #3033 on: December 06, 2016, 04:07:51 PM »
Hello everyone!

I'm turning 32 this month, and I live with my wife, cat, and dog in Winston-Salem, NC.  We have been working on getting our finances in order, and trying to find a way to improve our savings rate to build our 'stache! 

I'm excited about participating in this community; most of my friends and relatives look at me like I'm crazy when I talk about my dreams to pay off our debt and retire early.  My wife gets tired of hearing me talk about it, so me coming here to post will give her ears a rest :)

frugalfelicia

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Re: Say Hi and Introduce Yourself
« Reply #3034 on: December 09, 2016, 08:41:49 PM »
Hi everyone!

About me:
-living in Canada
-33 years old
-Social Worker
-single w/ one child

Goals:
-pay off student loan (was about $60,000 when I graduated in 2015, down to $39,000 now)
-continue contributions to retirement savings (just started a few months ago, currently at $1,300)
-continue contributions to RESP for my child (opened last month, at $200)


Frankenthaler1980

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  • Location: Oregon
Re: Say Hi and Introduce Yourself
« Reply #3035 on: December 10, 2016, 09:45:15 PM »
Hi, I'm Kate.  My future husband introduced me to the Mr. Money Mustache blog in early 2014, much to his eternal regret.  At the time, I was recovering from foot surgery, which kept me out of work for over a month, giving me plenty of time to read the MMM blog from start to finish.  I was inspired to give myself the challenge to pay off $14K in student loans over the course of 12 months, during which time I earned $40K from my job as a bartender.  I met my goal by riding the bus, eating rice and beans five days a week, giving up my daily store-bought cup of coffee, and generally annoying the shit out of everyone around me with my frugality.

Six months ago, I was laid off from a job that I hated, and the Department of Employment accepted me into the Self-Employment assistance program.   This allowed me to collect unemployment checks while working 40 hours a week in my art studio.  The unemployment money runs out just after New Year's Day, and I haven't figured out how to turn art into money, but I'll be damned if I'm ever going to work full time again at a job I can't stand.  I may never be financially independent in my line of work, but now seems like a good time to check out the MMM forum for advice on how to cut every ounce of fat from my spending.

It seems like a lot of the contributors to this forum are employed in high tech; I wonder if there are any other artists or craftspeople out there?

soumyabrata

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Re: Say Hi and Introduce Yourself
« Reply #3036 on: December 11, 2016, 04:13:32 AM »
Hi

I am Soumyabrata. I am from Kolkata, India. I am reading MMM for more than a year now and it has given me real hope in life. I am very late in joining the forum and let MMM know my thanks. Finally doing it. My business unit got sold last year and I have to leave the job to get a new one and move to a different city alone without my wife and daughter. My previous company couldn't give me a new job in my hometown. At that point of time I could realized that how much my life is beyond my control because I am dependent on other people for money. At that point, last year I discovered this wonderful site and forum. I am always frugal and earn more than average indians but before this never thought about what to do with my savings. Now I have goal to be financially independent and go back to my family. I own a house debt free and another apartment with debt to be paid back. I am planning for a 3% withdrawal rate instead of 4%, just being conservative and as per my calculation will be financially independent in another 5 years which I will be 41. My wife is in teaching and plans to continue working till 60, but my calculation is not taking into account her income. Thank you MMM. Please let me know if anyone have any questions for me.

cannagrowit

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Re: Say Hi and Introduce Yourself
« Reply #3037 on: December 11, 2016, 05:54:08 AM »
Hi, I'm Tracy.

Just waking up from my shopping and driving coma. I'm really glad to find this website and board.

Thanks MMM!

MMJ helps me too :)

Hoglet121

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Re: Say Hi and Introduce Yourself
« Reply #3038 on: December 11, 2016, 07:20:23 PM »
Hi from NZ!

I'm 33, married and working full time. I discovered MMM about 18 months ago and have read through all the blogs and much of the forum. We've paid off the last of the non-mortgage debts and built an emergency fund. My goal isn't necessarily to retire full stop, but to have the freedom to work for myself. I have a small side gig but I'm time limited by working full time, my goal is to be able to work on it 20 or so hours a week, as well as taking some time to slow-travel by bike.

Wish I'd learnt to think this way 15 years ago!

abby1234519

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Re: Say Hi and Introduce Yourself
« Reply #3039 on: December 12, 2016, 03:55:05 AM »
Hi from Northern England, UK!

I discovered the MMM blog about 3 days ago, I'm currently up to reading 2013! I didn't do much yesterday apart from read the blog....I'll let you decide if that's a productive day or not.


A bit about me:
- 27 years old, a few years out of university and currently working full time in a job that I love.
- no savings, and currently unable to save due to our expenses high and also having some 0% debt
- I have never been a frugal person, I am the complete opposite (hence why I have debt) and am looking to turn this around and find the inner Mustachian.
- my "lightbulb" moment was only last month, I've known for a while that things needed to change but have been full of excuses.
- married with one sprog, home life can be fraught with stress - my husband and I don't see eye to eye on a lot of money related matters, he's also unwilling to get really involved with family finances as he says it goes over his head! He's prepared to be in charge of the food budget.

What I want to achieve:
-  no more unnecessary spending, I have a budget on YNAB and in 2017 I will NOT go over it
- I worked out that my budgeted spends for 2017 (not including household bills or rent etc) is £11,000. This is so much!! It covers car maintenance, christmas, food etc but I just feel that this is ridiculous. In fact if you take out debt payments and savings, our annual expenditure will be around £28,000.
- I won't buy anything new in 2017 (unless its cheaper to buy it new vs second hand, and doesn't included presents budget)
- Credit card debt free by the end of 2017 (which leaves a student loan to pay back and a family loan to tackle in 2018)
- I just want to change my life! I don't want to worry about finding money when the car goes boom
- I also want to use that darn bicycle that I bought at the start of this year for £500. I've used it once...I live 3 miles away from work, I can totally cycle. Hand in hand with this goes the desire to lose weight, after all if I can save money by cycling then losing weight is a benefit.

GilbertB

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    • Sci-fi Meandering
From Gent, Belgium
« Reply #3040 on: December 12, 2016, 07:05:23 AM »
I'm a ship engineer trying to build a life for my family, without it leading to over-consumerism, debt and credit etc.
I do renovation and furniture making myself and am frugal except for cake, I love cake.

I've been reading MMM since my second internship at sea (new ship, not much to do) in 2014.

Mustacean

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Re: Say Hi and Introduce Yourself
« Reply #3041 on: December 12, 2016, 09:37:56 PM »
Hi all,

I recently found this blog and am looking forward to gaining new insights from all of you in the forum.

Cheers!

fire_by_50

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Re: Say Hi and Introduce Yourself
« Reply #3042 on: December 12, 2016, 09:49:11 PM »
Hello everyone,

I am a college senior about to graduate in May & I look forward to entering the workforce full-time with the concept of FIRE fresh in the back of my head!

FIT_Goat

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  • Location: Florida
Re: Say Hi and Introduce Yourself
« Reply #3043 on: December 12, 2016, 10:17:51 PM »
Hi all,

I won't get into too many details in this post, I might save those for a post where I expect it to be seen.  I am a 36 year old teacher / volunteer firefighter, who is considering moving to full time paid firefighter.  Neither job pays exceptionally well.  The firefighting job starts out $4k less than I make now, but offers lucrative overtime opportunities.  More importantly, I really enjoy it and think of it as less of a job and more something I do for enjoyment.  Obviously, since I do some of it now for free.

I haven't always been the brightest with money, although I have avoided the worst of sins.  I graduated from college with a lot of student loans, but paid them off and had the balance forgiven after teaching in a low-income area.  I've never carried credit card debt. I use a card for monthly expenses (for the rewards) and pay it in full each month.  I got a car loan with my first job.  It was a used car, to replace my VW Fox.  That Fox was my baby.  I bought it for $550 in cash and rode it into the ground over a 4 year period.  There was very little that still worked in that car.  I replaced it with a 4 year old Jetta (not my best choice). Bought a house, 80/20 no money down and interest only on the 20% loan (which was at 7.625%!).  I paid that 20% loan off in 3-4 years.  While single, on a starting teacher's salary, and knocked out the car loan at the same time.  I then managed to save up $14,000 in cash (nothing to most here, I know) in the next year or so after that.  I didn't have much, but I spent as little as I could while remaining happy and saving up all I could spare.  I was on the right path.

I started teaching 11 years ago.  I still have that Jetta.  It's going on 15 years old, but runs fine for the little driving I do.  About five years ago, I met my [now] wife.  I love her.  I really do.  But, the Mustachean way is not her way.  I stepped in and got her out of a cycle of payday loans (my first warning sign), and other bad debt.  I showed her my way.  She fought it.  She earned her money, and deserved to spend it as she wished.  This has always been an area of tension between us.  We worked through it.  I didn't save as much as I wanted.  In truth, I was barely saving anything.  And, slowly, various emergencies popped up that ate away my cash reserves.  Some of them I could have probably found cheaper solutions to, but that's the past.

Her dad died.  Her mom moved in with us.  Our house is too small for 3 adults and a child!  No, it wasn't!  It was a 3-bedroom house.  It was plenty big enough.  But, I agreed to house-shop for a larger place to make everyone more comfortable.  We ended up finding a new house that I do love.  But, it was expensive.  And, I didn't have money down.  And, we had to do it all in my name alone (which is a whole different issue).  Her mom "gave" us money for the down payment for an FHA loan.  Ugh, admitting it makes me sick.  Mortgage interest for life unless I refinance, and a big MI charge right at the start of the loan.  We sold the other house, and most of the profits (aka equity that I built while single) went to pay back her mom and pay off $10,000 in credit card debt my wife had been hiding (that's the whole different issue that kept her from being on the loan).

I'll be honest.  The hidden credit card debt was nearly the breaking point of our marriage.  The stress from that, issues selling the house, and losing all the progress I had ever made, caused me to get shingles and develop a bad case of being a miserable jerk to everyone around me.  My wife has given me all her cards, and I plan on checking up on making sure she's not getting new ones.  She is using cash only.  She was making as much as me, but her income recently took a hit and now she makes $23k.  This happened right after we bought the new house, naturally.

Anyway.  After 11 years of work, I have a net worth of only around $53,000.  Most of that is in my 403b account (no match and horrible returns).  I have $14k in cash, which I might invest, when I figure out which direction makes the most sense.

But, it's not all bad!  My starter goal is to increase my net worth by $2,000 a month this upcoming year.  It's a stretch unless my wife's job picks up or I can convince her to cut some very non-Mustachean expenses in our budget (annual theme park passes, satellite radio, a $250 a month cell phone bill).  Even with her current income and without killing those expenses (which I will do as quickly as she can handle it--working on getting her to buy into alternatives and having her develop the idea of shedding the crap), I can probably hit $1700 a month.  It's not great.  It's not enough.  But, it's a first step.

You've already inspired me and saved me $4,000.  It won't show up in my savings, but it won't come out of it.  During the recent hurricane, our fence was destroyed.  It was chain-link. We got some insurance money, it went to other repairs.  We got quotes, for a new [upgraded] fence to replace the whole broken fence.  That's the $4,000+ expense.  What am I thinking!  I can get a few poles, a new top pipe, a few bags of concrete and the hardware for less than $300 (much less as that's my over-the-top estimate).  Then I spend a weekend doing it myself, or with a buddy, and we have a perfectly fine fence again.

I'm going to do this.  At the current rate, it might not be as fast as some people here, but I can do it.  I also have a pretty solid pension (which gets twice as good if I move to paid firefighting), that will mean I have more when I get to traditional retirement ages, and thus might not need to save as much as if I had to rely on it alone forever.

tsmith321

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Re: Say Hi and Introduce Yourself
« Reply #3044 on: December 13, 2016, 05:24:14 AM »
Hey,

I can't believe it has taken me so long to find this forum.  My wife and I just finished paying off our students loans (230k!) and now are tackling the mortgage (170k) and investments.  We are planning on being completely debt free in 5 years or less, while stashing money away.  Our NW is currently currently 650k.  The goal is to reach the 2 comma club before we hit 40!

I look forward to sharing our journey and hearing about yours.

Regards,

Tom Smith
tsmith321

FIDough

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Re: Say Hi and Introduce Yourself
« Reply #3045 on: December 13, 2016, 11:39:09 AM »
Hi fellow Mustachians.  I discovered MMM several years ago, and fell in love with the website.  As part of celebrating my own FI, I started my own website - a passion project called FIDoughhub (Financial Independence Dough Hub).  Like, MMM I am dedicated to helping others achieve FIRE, and this site is one of FIDough's Favorite Websites. 

Keep up the great work everyone!

Mr. FIDouguh
https://fidoughhub.com/

naughty240

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Re: Say Hi and Introduce Yourself
« Reply #3046 on: December 18, 2016, 06:14:02 PM »
Hi, I'm Steve and I'm here to listen and learn.

mannerv

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Re: Say Hi and Introduce Yourself
« Reply #3047 on: December 19, 2016, 03:40:21 PM »
Hi, I am 37 years old, also from Scandinavia (Finland). Came here to lurk and learn.

I've run my own money-saving blog for around 8 years now. Still stumbling a lot. Hope to get some ideas from here on how to "cement" my finances.

Cativa

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Re: Say Hi and Introduce Yourself
« Reply #3048 on: December 19, 2016, 04:48:17 PM »
The year was 2009.
Every credit card was maxxed.
We both had loans on our 401ks.
The savings account was at zero.
Both cars had loans outstanding.
We had just bought a new house - with a huge mortgage - with, naturally, zero dollars down.
We both loathed our jobs, but they paid well, so we felt trapped in them because they were the only way to pay the bills.

Suddenly, thankfully, we turned to each other one Saturday morning over coffee and admitted that this was no way to live.

****

Its the end of 2016.
We have zero credit card debt.
No loans on our 401ks (which we max!), and we also both have IRAs (which we max!) and a taxable brokerage account.
The savings accounts hold a 6+ month emergency fund.
Both cars are paid off - and we actually replaced one car in 2014 with one we paid for in cash.
We're attacking the mortgage now.  We still owe $300K (our only debt) but its much less than it was.
We still are paid well, but still loathe our jobs.  We still feel that this is no way to live, but we are digging our way out fast and furious!

****

I am 41 and he is 45.  I'm not sure if we will be ready to FIRE in 2020, but I am pretty sure we will have FU money by then :)

We found MMM a couple years ago.  The blog was a great kick-in-the-pants we needed after years of digging ourselves out of our hole.  Now I love reading the forums - great ideas, and inspiration!


Bumbles8

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Re: Say Hi and Introduce Yourself
« Reply #3049 on: December 19, 2016, 05:53:25 PM »
Always been half interested in finances and have read lots of articles the last couple years.  Stumbled upon this site and a few others.  As college was coming to an end (graduated May of this year), started tracking expenses and setting a budget.  Started reading this site more and more. 

I have kept reducing spending, and trying to maximize investments.  I have minimal debt compared to lots of recent graduates (~12k) and make upper 60s in a fairly LCOL area.  Won't max my 401k this year because I started in mid-June after a month backpacking in Europe.  Opened a Roth, and hope to max both 2016 and 2017. Also max my 401k this coming year and get to a comfortable emergency fix.

Still a lot to learn and trying to get better everyday with more reading, more exercising, and less stuff.

And now for my one non-MMM deal: I own a truck (paid for, '99, 200k miles) and even worse for the MMM community, I use it to tow a boat.  Big time freshwater fisherman.  So will have to work around that hobby, because it's not going anywhere. 

Initial goal is NW 100k by end of 2019 (I'll turn 25 about midway through 2019)