Browsed by
Author: Mr. Half

Downsizing Our House, Upsizing Our Family

Downsizing Our House, Upsizing Our Family

Shortly after discovering that it was possible to retire early, and more importantly discovering that we were about to add a sixth member to our family, we made the confusing decision that we needed to move to a somewhat more expensive, but probably smaller house. Despite not being crunched financially, we were in a hurry to find a new home for our growing family. Looking back now I could say that the house search went quickly because we wanted to…

Read More Read More

Moving On From Our Cheap House

Moving On From Our Cheap House

I have always been good with numbers and I don’t really care for bad financial surprises, so I have always tried to have a handle on whatever bad money news might come down the road by forecasting out our budgets. The following is an actual (but edited for pseudo-anonymity purposes) excerpt from an email that I sent to my wife right before we changed our budget / lifestyle – Current Mortgage Payment is $945 Ideally looking to move Fall 2019…

Read More Read More

Our Frugal Beach Destination

Our Frugal Beach Destination

I have fond memories of all of the beach vacations I have gone on in my life. From our trips to Virginia Beach when I was very little and trips to Ocean City (MD), Myrtle Beach and the Outer Banks later on in life. I have enjoyed them all for what they were – vacations, a break from the normal run of the mill. My favorite beach town to go to – by far – is Chincoteague, VA. Chincoteague is…

Read More Read More

How Coffee Led Us to FIRE

How Coffee Led Us to FIRE

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the third post in the series. When I was growing up, after a certain age, we were allowed to drink “pop” (or “soda” for you non-Western Pennsylvanians). It wasn’t shoved down our throats, but it was available in the house, and I drank a lot…

Read More Read More

Stepping into “Grown Up” Finances

Stepping into “Grown Up” Finances

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the second post in the series. My wife and I married in 2010 and bought a house in the same year – we managed to cover the down payment and closing costs mostly from a small loan from my parents and utilizing the First-Time Homebuyer…

Read More Read More

My Early Financial Background

My Early Financial Background

In an attempt to shed some light on our personal story, I wanted to post these brief summaries of my past (both individually and together with my wife) as it pertains to finances. This is the first post in the series. I grew up in a more or less middle class home in the 80s and 90s. My father was a pharmacist and my mother was a nurse and later a cardiovascular consultant. When I was very young, there were…

Read More Read More

Remembering My Mom

Remembering My Mom

So it has been just over seven weeks since the last time I posted on this blog. A few things contributed to this, but only one that I want to focus on today. About a month ago today – my mother lost her almost two year battle with cancer. More on that later, but first I want to speak to the person that my mother was and how she helped mold me into the person that I am today. I…

Read More Read More

That Time We Thought We Were Travel Hacking

That Time We Thought We Were Travel Hacking

My wife and I had an awesome honeymoon. It was a 4 day concert at an all inclusive resort in Mexico, bookended with extra nights at the resort on either side. We spent a little over a week in January enjoying warmer temperatures, great music, fun excursions and more Coronas and Pina Coladas than I ever want to drink again. We enjoyed it so much that we made a goal to celebrate our fifth anniversary by doing the trip again….

Read More Read More

How We Budget Part 1

How We Budget Part 1

For someone who doesn’t track or budget at all, knowing where to start can be daunting. There’s a misconception that a budget is essentially a diet for your spending habits. In actuality, a budget can be a really helpful planning tool and doesn’t necessarily have to be restrictive. Our current budgeting process has evolved so much over the years I couldn’t even begin to explain how it got to where it is today. However, I can explain how our system…

Read More Read More

Stop Loaning Uncle Sam Money

Stop Loaning Uncle Sam Money

I remember thinking of income taxes as this magic art that only my mother, with her copy of TurboTax, could figure out for me and my siblings. She would buy the software every year and then run our numbers through the program and figure out what we owed. Most years it was nothing or a small (under $50) refund. One year I made the mistake of letting a few venues pay me directly with checks for gigs that the band…

Read More Read More

Related Posts Plugin for WordPress, Blogger...