Shift Your Perspective & Create New Habits

Hey, All!  It’s Monday and what that means for most is the start of a new week after a hopefully awesome weekend.  For me, today is the start of my weekend after finishing a 5 day stretch on the road.  I know, I know – most people work 5 days in a row!!  And having done it before I sympathize, I do.  But for us Flygal’s it is a looooong time to be away from home particularly when you factor in the 12 flights, 3 different beds in 3 different cities, all while maintaining a perma smile that I now associate with giving me wrinkles.  🙂  Haha – it’s funny no matter how much we love our jobs we still find something to gripe about!  Moving on…

Are you guys reading Four Pillar Freedom?  If not, you should be.  Not only because JD Roth is reading it…

screenshot-2017-03-04-at-5-02-18-am-edited

But also because the writing is on point.  A few days back, Zach started the month with a powerful post about shifting perspective from the things we should stop doing in favor of the ones we should start doing.  It’s a great list and I implore you to pop over now and check it out.  I’ll wait…

Fabulous, right??  If you didn’t make it down to read all the comments, here is what I wrote: Continue reading “Shift Your Perspective & Create New Habits”

Advertisements

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…

FullSizeRender (14).jpg
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.

FullSizeRender (12).jpg

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”

Financial Independence: The Journey AND The Destination

I write amongst a large group of people who are all focused on the same thing… financial independence – FI for short.  FI is the amount of money that is needed to sustain your specific lifestyle comfortably  for the unforeseeable future regardless if you work or not.  Some have calculated their number based on a formula and when they hit it they will quit, others have picked a date and plan to hustle to until then.  Personally, I am working towards a date. November 16, 2023.

I’ve talk about my date in-depth HERE, but briefly I will explain that I have based it on a combination of actual retirement from my job and the amount of time it will take for me to save for my FI number and have come up with November 16, 2022.  Though I have no intention of actually retiring, I will be so happy to know that I can take off months at a time and not worry about my financial future. Looking 6 years into the future, I see me spending my free time travelling, volunteering, maybe a bit of working…you know, enjoying life!!  But what about right now?  What about the seconds, minutes, hours, days, months, and years between now and then?  Am I looking to far into the future without giving today the attention it deserves?

lammaemerson.jpg

I know many of you can’t read the line in that photo without breaking into Steven Tyler’s voice so go ahead…I’ll wait…

Continue reading “Financial Independence: The Journey AND The Destination”

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”