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Category: goals

Escaping The American Trap

Escaping The American Trap

When Ms Blue Ribbon and I were married we quickly fell into the American Dream Trap. We got our mortgage, new (financed) car, and extra loan (because we could). Everything was just as it was supposed to be. We were even starting to spend more a month than we were taking in. Having a Why That’s when it happened, our turning point. Ms Blue Ribbon and I had a baby, Mini Donut. This was our catalyst. I kept trying to make…

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2017 Q2 Networth and Goals Update

2017 Q2 Networth and Goals Update

When I was first starting out on the path of getting my finances together I stumbled upon the website, BudgetsAreSexy.com J. Money was the one that got me tracking my networth. Maybe the most important thing you can do on your path through personal finance. I’ve been tracking my network since March of 2016. I finally knew if I was making progress. Tracking your network is to help you see if what you are doing is working or not. Adding…

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Why I’m paying off the mortgage while saving for Early Retirement

Why I’m paying off the mortgage while saving for Early Retirement

The paying off your mortgage early vs. investing that money debate has been done to death. Everyone has heard the higher return on investment from the market generally outperforms a standard loan interest of around 3% argument. On the other side, everyone can sympathise with the idea of being completely debt free and having your own home. No mortgage sounds like the best thing since sliced almonds. (that’s the expression right?) Like a lot of other posts and the general…

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I got a pay raise and had a plan for it months before I got it…in a good way

I got a pay raise and had a plan for it months before I got it…in a good way

Woot Woot!!! $$$$$ Don’t pay raises make you just want to jump up and down? They were already paying you some money and now they are telling you they will pay you MORE money! Kind of cool (unless you are under market value). See Glass Door. Anyways… What is the first thing you do when you get a raise? Go out to some fancy, pricey place to celebrate like Red Robin? (Ms Blue Ribbon and I don’t get out much.)…

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