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Finances, early retirement, financial independence

2983 days…17 days in…

July 30, 2017

2893 ...17 days in.PinterestHas it really only been 17 days?  It feels like an eternity really. I am astonished at what we have been able to do in such a short time.  Intention is the word that comes to mind.   What a difference being intentional makes.

Here is just a quick update of what we have been able to do in a little over two weeks:

  • Opened up a Vanguard VTSMX retirement account and began funding it. (GAH!  How exciting is that!)
  • Paid off a credit account
  • Ordered the firestick and new remotes so we can cut cable THIS WEEK!
  • Did a three-month analysis of our spending on mint.com (Think you cannot afford to save or pay off debt, I will bet you there is a ton of waste happening.  If you eliminate the waste, you can do some BIG things.)
  • Reduced our cell phone bill by $25 – I know that’s not much, but we have a 3 month plan to reduce it even further.  Every dollar counts.
  • Cut out several unnecessary items in our budget for a total monthly savings of:  $200
  • We stuck to our weekly meal plan.  (which means money saved on food)
  • And the BIGGIE…We stuck to our budget and discretionary spending for the month of July!!!  – REALLY! This is HUGE.  I don’t know how many times I have to readjust the next months budget due to overspending in the previous month.

In the coming weeks our goal is to accomplish the following:

  • Fully cut cable
  • pay off several accounts for a total monthly savings of:  $1761.00, that savings will go directly into debt repayment
  • Pay off Wendy’s car
  • Continue funding retirement
  • Fund a “baby emergency fund” with at a minimum of $1000.00
  • Cut utility bills

The above is just a minimum.  If we keep this train chugging along, by our next update we should have far exceeded the above goals.

Love and Prosperity,

Your Girl FI-day.

 

P.S….This book is a MUST read if you are interested in retiring early.  Seriously.  A MUST.  File Jul 30, 3 19 53 PM

 

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