That Says a Lot About You.

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!  Now, on to the post…

You know when something happens in your life, when you hear something or see something that is somewhat defining but doesn’t yet make sense so you sweep it into a corner of your mind and wait for the thoughts to mature enough to make sense on their own?  This is such a story and after years and years of it creeping in and out of the corner, it finally makes sense…

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~via~

When I was 16 years old, I was being driven home by my date at the end of the night when we stopped at a red light.  We hadn’t had a great evening and I was happy it was coming to an end.  The left turn arrow lit green before the light to go straight did and I broke the silence of that quiet moment to ask if he ever felt like taking the first light even though home was the other direction.  To this day I remember the exact words that came out of his mouth, “That says a lot about you.”  Hmph.  We broke up the next day when he asked another girl to prom, but those words have always haunted me.  What did that say about me??  Was I so different from my peers?  Did no one else yearn for the path less taken?! Continue reading “That Says a Lot About You.”

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Traveling on a Dime…OK, 2!

Many people have asked how it is that I can travel so cheaply…you know, besides the obvious of the free flight perks my job allows me.  If you have been reading here awhile you know that it helps that I am more frugal than most, but I also take a fare amount of time to prepare for my trips in advance.  Here are some tips I have learned over the years to get the most bang for my buck while globetrotting this big round orb…

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Just a Bit of Money I found While Hiking Lamma Island, Hong Kong

As an avid traveler (both on the job and off), one of the largest expenses while on the road is…wait for it…

Continue reading “Traveling on a Dime…OK, 2!”

I’m Officially Famous For Being In Debt

Oh my – so sorry for my absence!  I have been sick as a dog and finally the clouds in my mind have cleared enough to write.  🙂

Well – something big happened and I failed to report it!  In December I was interviewed by Elle from Couple Money Podcast.  Guys, I was so so nervous!!  I have never been interviewed before…actually, that’s not true.  I have been interviewed before but it was an impromptu thing at a neighborhood party so it totally doesn’t count.

Anywho, Elle contacted me regarding my story of debt and how I got through it.  Though my story really has nothing to do with being a couple (unless you count the brief marriage and divorce in the middle), it has EVERYTHING to do with money…and my lack of it.

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If you have been following here for a while, you know that writing about that time in my life was not easy for me, talking about it was even harder.   Continue reading “I’m Officially Famous For Being In Debt”

2016 Financial Year In Review

2016 has come to a close…almost.  As I write I am sipping a daiquiri from a beach in Punta Cana, Dominican Republic.  No, I am not yet retired, but after a boost in income via a bit of hard work I am quite a bit closer than the start of the year…over 100k to closer!!!  What?!  Yes, I said it…I am $100,000 richer than the start of this year.  It is incredible.  But what is more incredible is how full my heart is…

This blog is new since June of this year.  Without it I would never have been able to accomplish half of what I have.  I credit this community and the people in it (everyone who has commented!!) for giving me the support and courage to speak my truth whether it is bad, good, or indifferent.  Coming from being in a ton of debt it is hard to put yourself out there again – especially among a bunch of 30 year olds (plus the Groovy’s!!) who have already retired!!  So so happy for everyone who has learned their financial lessons in life much earlier than I and I can’t wait to stand right there next to them…but until then I will continue to read, learn, and enjoy the ride along the way.  🙂

So back to the numbers… How the heck did that happen??  How did my net worth jump 100k in one year!!?  Let’s start at the beginning, shall we?

You can read all about my half-year review HERE but in an effort to sum things up, see the numbers posted below.  At the start of 2016, I had $162,842 in total assets (remember I don’t include my house or car in my assets)…

This years goal was to max out all of my retirement accounts (including the IRA I started this April) and work 100 hours a month…I accomplished both…kind of.  The financial goals were met with no problem.  Working 100 hours a month didn’t happen precisely how I wanted but averaging my hours over the year made up for a few months I fell short….ahem, October I’m talking to you!  No worries, spending two weeks in Thailand was well worth it!!

Now back to the second half of the year – here are the numbers for all you voyeurs…

Continue reading “2016 Financial Year In Review”

The “How” & “Why” in 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!  Now, on to the post…

This week there was a bunch of interesting topics floating about the blogosphere that really got me to thinking – What are we all trying to accomplish?   Will financial independence really change our worlds and our futures?  What is our purpose?  Ultimately focusing on the “Why” of FI (which we discussed in the RSF Forums this week-my answer below).  Of course, we will all have different answers to these questions, but for each of us, knowing that purpose helps to lead us in the right direction.

Tuesday, Chris from Keep Thrifty posted about his Financial Compass.  How his wife and him found direction for their finances.  Reading his post made me think back to my own compass.  The same compass I have worn around my neck for the past 15 years…

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A little worn down but always on me…I didn’t even take it off for this pic!

At 23, I was a brand new flight attendant and struggling financially …like most 23 year olds tend to do!  Though I have never been in debt (until the 500k in mortgage debt!), the $14.61 I was making didn’t quite cover the bills and I was using precious savings to bridge the gap.  This job was waaaayyyy different from any I had before.  In the first 6 months, I bounced from city to city, hotel to hotel, and paycheck to paycheck.  I LOVED my new job but trying to balance home life and work life was difficult. Continue reading “The “How” & “Why” in FI”