Freedom 35

September 2015 Expenses

September was filled with fun, exploration, and quality family time. What more can one ask for?! We were hosting family for the month and went camping along California’s Central Coast. It was the Little Man’s first time camping, and he fared well! It was a nice, affordable, and fun break from the daily routine. Having family over for most of September was helpful from a free childcare point...

Binders and Passports Edition

We have a little write-up over at Canadian Budget Binder, so do go check it out, if you are so inclined. Speaking of things Canadian, we’ve recently been getting our ducks in a row for travel to the home country. This involves getting a passport and requisite photo for the littlest traveler we know. Last time we needed passport photos we did what might seem reasonable: go to...

Joy of Bike Commuting: Lost Dog and Traffic Edition

A bicycle does get you there and more…. And there is always the thin edge of danger to keep you alert and comfortably apprehensive. Dogs become dogs again and snap at your raincoat; potholes become personal. And getting there is all the fun. A fun and helpful detour today, nothing quite as dramatic as the above quote would suggest. I was riding along to work on my usual...

August 2015 Expenses

This was a fun and low spending month, the best kind, and a nice change from last month. Nothing that interesting to report here: we had some awesome meals, some good times, good booze, snuck in another weekend escape to the mountains, and the budget wasn’t blown. Here are the details behind our August spending:

Selling Stocks at a Loss For Fun and Profit

So the markets are down, it took a while to realize because I try to to ignore the financial media. The good news is we get to save a lot of money on taxes. When life gives you lemons, you make lemonade; when markets give you losses, you harvest them. Tax loss harvesting has always been on the to-do list but seemed intimidating. It turns out it was easier than I thought and kind of...

July 2015 Expenses

Following up a quiet and low spending June, we were apparently trying to make up for lost time and spending in July: We spent some time up in the mountains, exploring some of the beautiful spots our state has to offer (twice!) and also had family over, taking the chance to enjoy some fancy food, drink, and sightseeing. The rest of the increased expenses revolved around a growing little boy and paying for some...

Taking in Tahoe

Earlier this month, we took a mini road trip to the beautiful Lake Tahoe area. We packed up our luxury car, our two dogs, The Little Man, and headed up to the Sierra Nevadas for a long weekend. It was a wonderful three days featuring stunning lake vistas driving from North Lake Tahoe to South Lake Tahoe, hiking in Squaw Valley, and two bonus brief stops in the...

How We Invest: In Capital Markets We Trust

By popular demand (by which I mean a single request), here is more detail on step two of the early retirement plan, investing surplus income. How We Learned to Stop Worrying and Love The Market At one point, our savings were sitting in savings accounts being idle instead of working for us. There was a few things that held us back: We didn’t have that much extra income to save back then We...

ClimbingMountain

Progress to Freedom 35: 2015 Q2 Update

It’s time for our second quarterly update on how we are doing relative to our financial goals. Our first update surprised us, mainly in terms of how much we were spending. We set out to reduce waste and track expenses more regularly. This has really paid off: while our income was lower this quarter than last, thanks to reduced spending we maintained a high savings rate and crept closer...

June 2015 Expenses

June has come and gone, and just like that half the year is behind us! The past month was relatively quiet at the Freedom 35 household: After a May of merry-making elsewhere, we got to spend June closer to home, lollygagging about and enjoying all the wonderful things our beautiful corner of the world has to offer. The end of June might also mark the end of fun little routines, as The DJ’s time off...

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