The Do’s & Dont’s of Walking the Camino de Santiago

Taking a break from finances today to talk about my other passion – travel!  This is a continuation of my guest post So You Want To Hike the Camino De Santiago published today at GoCurryCracker.com.  If you are interested in knowing the In’s & Out’s of walking the camino, please hop over there to check it out.  If you’re interested in the Do’s & Don’ts, keep reading….

Camino
Points along my 2013 Camino

Of all the lessons I have learned in life, I have learned the most from my mistakes.  The Camino De Santiago was no different.  It took a failed first attempt to wisen me up before being able to successfully complete the 500 mile hike multiple times since.  Today’s lesson is for you to learn what to do and what not to do before ever setting foot on the trail so, unlike me, you can be a first time success.  You’re welcome in advance.  🙂

First, a brief bit of history…

The Camino De Santiago is an ancient footpath in Spain with many starting points but only one ending point, Santiago De Compostela (SDC).  The history of  The Camino dates back to the middle ages when it was once (and still for some) used as a pilgrimage to the visit the remains of St. James The Apostle, located in SDC.  Since then it has also been used as punishment for thieves, bragging rights for Kings and Queens, and more recently, for historical, spiritual, or tourist related purposes.

img_2129.jpg

————————————————

Now, I don’t pretend to be an expert on hiking nor on the camino itself, but the following are tips that I have picked up over my past 5 camino’s.  I hope you find them useful!  🙂

The Do’s & Dont’s of Hiking the Camino De Santiago

First, the DON’TS:

1.   DON’T BE AN ASSHOLE – this one should be easy for most but let me break it down just in case there is any doubt… Continue reading “The Do’s & Dont’s of Walking the Camino de Santiago”

Advertisements

Lola, Landlording, & Life

It’s been a while, ladies and gents!!  Let me give you a quick catch up before we can move on to the latest…

AUGUST

  1. PORTLAND – Far Away Friends, Couchsurfing, & Lola Retreat!

Have I mentioned how much I LOVE the Pacific Northwest?  I DO!!  Many moons ago I lived in Ashland OR and, looking back over the years, I still consider it one of those magical times in my life where my surroundings had the ability to refresh and energize me.  The trees, mountains, and clean air (compared to city life, that is) were a true delight.  Every time I am back, I feel right at home…

treehugger
Born Treehugger

I arrived in Portland a day before Lola Retreat so I could meet up with my friend, Angela.  Angela and I met in 2013 while hiking the first ever European Peace Walk (EPW).   The hike itself was tough, but the friendships made on that trip were solidified by an unspoken bond that only happens when you hike painfully long days in excruciating heat across 6 countries with little-to-no route information.  Such a BLAST!!  🙂 Since then, I have met several of my US-based EPW buddies on work overnights, some met me in Spain to hike, and last year while on vacation, I met Angela in her home town of Dublin.  It was only proper that I meet her when she visited the states.

We made our plans a week before Lola but when I checked for accommodations I realized the downside of our timing – the fucking solar eclipse!  NOOOOOOOO!!!  As awesome a sight for many, this “once in a lifetime” event put a damper on our plans…until we consulted Couchsurfing.  Now, I have stayed in a ton of random places during my travels (barns, old classrooms, churches, monasteries), but I have never Couchsurfed for fear of being murdered in my sleep.  I am happy to say that fear is now gone…and it was so easy!  Not only were our hosts super accommodating, they were also very informative (all for $0!!!).  They told us about a local hike called the 4-T Trail.

Continue reading “Lola, Landlording, & Life”

Why I Travel Despite It Delaying FI

Some would argue that we have everything we need in our own backyard and, for those some, that may be true.  If you have had the great honor of meeting your mate, having a child, and/or retiring in a home you love with a community you are involved in, you very well may have won the game of life and may not feel the need to search further.  You have cultivated your own utopia and are completely content with your surroundings.  If that is you, I give you my most sincerest congratulations.  I, on the other hand, am not quite there.  My seeds are still being sowed.  🙂

Last week I tweeted about my gypsy soul and my homebody nature always being at odds with one another.  From the responses, it seems I am not alone.  This is a constant battle I fight within myself.  While I appreciate all that I have, my ideas for utopia and my reality are not quite matched up.  Some of that is work related, a fair portion is timing, and some other shit I have brought on myself.  I love the idea of “home” and being completely settled…I can even picture what it looks like in my head!  But a life of contentment takes a certain amount of polishing.  It takes time to figure out what works for you and what doesn’t.  It takes time to build that tribe around you.  And it takes freedom to fully explore the ideal life outside of the glimpse you get before or after work.

All that being said, I can’t pretend that once I find “home” I won’t still be tempted to travel.  Because travel does more for me and my insight than any book in the world can.  I’m one of those weirdos who needs to actually touch and feel something to have it make an impact.

FullSizeRender (26).jpg
Few books would have included this fabulous street art on a random wall in Cuba.  Even if they had, could they also describe the wet heat of the pavement or the smells emanating from the gutter while lingering to take it all in.  Guess you had to be there!  😉

While I don’t often write about my travels, they are always being planned or occurring behind the scenes.  For someone who writes about money, that may seem counterproductive.  And I get it. Continue reading “Why I Travel Despite It Delaying FI”

An Aha Moment… Reverse Engineering FI

This post was featured by Rockstar Finance. If you clicked over from there, THANK YOU, and I hope you enjoy the read. If you just happened to wander over here and are interested in all things Personal Finance or FIRE (Financial Independence/Early Retirement), I highly recommend you hop over to Rockstar Finance to check out their site and all the awesome bloggers they host weekly.  Oh, and don’t forget to check out the Rockstar Finance Forum where you can chat PF to your hearts content. Thanks for stopping by and I hope you will follow along on my long and winding road to FI!

——————————————————————————-

It occurred to me last week that I have been looking at this whole FI thing the wrong way.  Building your wealth is a long process and it takes time…1,979 more days in my case but who’s counting?!  In an effort to not feel overwhelmed, I decided to flip the script.  What if I started looking at FI from what I have already saved?  What if I start looking at it with an attitude of abundance and not destitute (a tad dramatic but I love the striking opposition it induces 😉 ).

The basic formula for FI is 25 x yearly expenses.  Whatever that number equates to is considered safe to use a 4% rate of withdraw.  If all these numbers are true, we can instead flip it around to calculate how much I would receive each month if I quit working today based on what I have already saved!  Here’s a semi random example:

Bianca has $333,000 in assets.  Divide that number by 25 and you’ll get $13320 per year which is equal to $1110 per month.

$1110 per month.  That is how much all my years of work combined have afforded me to live.  For reference, I have been working and earning a W2 since 1993 when I was 14.  That’s 24 years of working for the man and all those years of labor have afforded me 1110 dollars per month of FREEDOM.  Isn’t that incredible?!  Not from a high or low standpoint but just that it is actually calculable?!  Isn’t it strange to compare your future life’s enjoyment based on the amount of hours you worked to earn such jubilee?  It’s hard to wrap my brain around!

So the question is, forgetting all tax implications, could you live off $1110 per month?  If forced to do so, I’m fairly certain my answer would be yes.  I’ve crafted my life in such a way that I have few responsibilities which results in my cost of living being lower than most.  Granted, my studio is paid for and I would likely have to stay there, I’d have to remove all travel from my agenda, sell my car in favor of my bike, eat a shit ton of beans and rice (which I do anyway), and never get sick.  Pretty risky with some of those variables but I could probably make it work, and many people do.* Continue reading “An Aha Moment… Reverse Engineering FI”