Hi folks! Thought I'd introduce myself, as I've been lurking around for some time and have finally registered. I'm WinterSkies - located in Winnipeg, Canada. DH (34) and I (33) are both engineers, and have two young children (4, 2). I stumbled across MMM late last year, and have been catching up on the blog, and more recently, reading through the forums.
I will start a journal at some point, as I like to talk about finances more than DH likes to listen! So, the MMM forums shall become my outlet and potentially my sounding board for our plans to get to FIRE. Thankfully, DH and I are both savers, and agree that we want to make changes that will allow us to get out of the rat race a lot sooner than average. We're at a decent starting point - regular RRSP contributions since we started working 10 years ago, no consumer or car debt, an emergency fund to cover 2 full months of expenses and an aversion to debt in general. We have a mortgage (314k at 2.35% variable), and are paying into it weekly, plus occasional lump sums. However, we don't track our spending, and that is hurting our savings rate immensely. I know that our potential for further savings is great - I just need to identify it and make a plan.
I am looking forward to learning from everyone here, and giving and receiving encouragement. This looks like such a great community!