Search found 76 matches

by herp
Sat Jun 23, 2018 4:53 am
Forum: Skills & Tools Questions
Topic: The coffee problem
Replies: 23
Views: 1647

Re: The coffee problem

I've cut down on coffee over the past months so that I'm now down to 2-3 cups a day. I've entirely stopped drinking coffee in the evening and I'm also wary of drinking it late in the afternoon as I've found it disturbs my sleep too much. I bought a Bosch coffee filter machine some years ago for 60 e...
by herp
Sun Jun 17, 2018 3:53 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 473
Views: 85589

Re: DutchGirl's journal

That's definitely a meaningful job in my book, DutchGirl. My last job was working in a small business that made software solutions for publishers. While the product was reasonably meaningful, I just didn't have great hopes for the future of the business, as I didn't think the quality of the products...
by herp
Sun Jun 03, 2018 11:26 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

Cheers! The interest I'm receiving is very low indeed, just shy of 1%, so it's not even enough to keep up with inflation, especially not after taxes (but still better than hiding it under my mattress). Still, I won't chase yields by taking on more risk. Once in a blue moon I toy around with the idea...
by herp
Sat Jun 02, 2018 4:13 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

May: Earned income 6448 Insurance 94 Sale of items 110 Other income 170 Rent 983 Union + unemployment insurance 135 Food 198 Phone 9 Healthcare 53 Transportation 62 Entertainment 8 Other 22 Savings 5352 Savings rate 78% Last month was quite unusual as I got a significant holiday allowance payout, so...
by herp
Fri May 04, 2018 2:26 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

Hi thedollar, Sure you can. I have two main portfolios - one for individual retirement wrappers that's more aggressive because I cannot withdraw from those accounts until I'm above age 60 (might even be near 70 by the time I get there, if politicians keep raising the eligible age), and another one f...
by herp
Thu May 03, 2018 4:26 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

After tallying up my savings and investments, I'm also happy to report that I've crossed the 20% milestone towards my comfortable FI savings goal. Feels like a good accomplishment :)
by herp
Tue May 01, 2018 8:05 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

April: Earned income 3913 Rent 34 Union + unemployment insurance 140 Food 215 Utilities 46 Phone 20 Healthcare 55 Transportation 62 Clothes 24 Other 12 Savings 3311 Savings rate 84% A superb month, but you could argue there was cheating involved as the net rent is artificially low due to the annual ...
by herp
Mon Apr 30, 2018 6:42 am
Forum: Health Questions
Topic: What Do You Eat for Weight Loss?
Replies: 194
Views: 19391

Re: What Do You Eat for Weight Loss?

The effects of exercise hit a plateau. I'm definitely not saying don't exercise, you should for many reasons. Exercise does cause you to burn calories, but after a certain amount of exercise it doesn't have much of an effect on burn. Diet is more important. At least that's what I read recently in s...
by herp
Fri Apr 27, 2018 5:46 pm
Forum: Health Questions
Topic: Quitting Alcohol Pros and Cons
Replies: 21
Views: 2007

Re: Quitting Alcohol Pros and Cons

The problem with "social" drinking for me is the other people. They'll tend push you to drink more if you're not keeping up, it's hard to resist. It's hard to go to a party or bar where everyone is drinking like crazy and you just have one or two because at some point you'll feel like you're an int...
by herp
Fri Apr 27, 2018 2:06 pm
Forum: Health Questions
Topic: What Do You Eat for Weight Loss?
Replies: 194
Views: 19391

Re: What Do You Eat for Weight Loss?

Well done, Augustus! I'm down just over 5 lbs in a month and a half. Not quite as fast as I was hoping for, but then I haven't kept as high of a calorie deficit as I had hoped. I try to get cardio in almost every day, but I don't stress if I miss a day a week. I aim for a 500 kcal deficit, eating th...
by herp
Fri Apr 27, 2018 10:55 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

Hi justtherightamount, I'm pleased to hear that you've gained some value from reading my journal. Can I ask why you're considering selling the rental property? Too low yield? Too much work? If you decide to sell the rental property, paying off the andelsbolig loan is not a bad idea, particularly fro...
by herp
Thu Apr 26, 2018 2:56 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

This update might sound as if I'm spinning around in circles (and you could certainly argue that I am!), but lately I've been re-considering the offer to take over the vacation home. After doing a bit of investigation, it turns out that my father doesn't actually receive much of a property tax disco...
by herp
Tue Apr 17, 2018 4:24 pm
Forum: Health Questions
Topic: What Do You Eat for Weight Loss?
Replies: 194
Views: 19391

Re: What Do You Eat for Weight Loss?

@Michael_00005: I'm not convinced that Dr. Greger is entirely unbiased.

I'm also curious about your interest in seeing pictures. Why do you feel that would be valuable in such a discussion?
by herp
Sun Apr 15, 2018 5:29 am
Forum: Health Questions
Topic: What Do You Eat for Weight Loss?
Replies: 194
Views: 19391

Re: What Do You Eat for Weight Loss?

I have to say that I find your results very perplexing, Brute.

All I can say is that I lost many pounds over a half year period simply by calorie tracking and keeping a moderate deficit.

Never did fasting, either.
by herp
Sat Apr 14, 2018 5:22 am
Forum: Health Questions
Topic: What Do You Eat for Weight Loss?
Replies: 194
Views: 19391

Re: What Do You Eat for Weight Loss?

Great to hear! What works for me is tracking everything I eat. This has multiple purposes. First, I get a fairly clear idea of how many calories I'm consuming. Secondly, it allows me to eat anything I want, but if I want to eat something unhealthy and calorie dense, I have to restrict portion size b...
by herp
Thu Apr 12, 2018 12:59 pm
Forum: ERE Journals
Topic: FI in Sweden
Replies: 17
Views: 1948

Re: FI in Sweden

Am I understanding you correctly that you have effectively leveraged 3% of your net worth?

If that's the case, I wouldn't worry about it if the interest rate is low enough. On the other hand, you could certainly make the argument for just getting rid of the debt for the emotional benefit.
by herp
Sun Apr 01, 2018 8:33 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

March: Earned income 3387 Sale of items 33 Insurance 67 Rent 1043 Union + unemployment insurance 144 Food 250 Healthcare 168 Transportation 62 Utilities 77 Fees 4 Phone 10 Taxes for 2017 420 Entertainment 20 Other 3 Savings 1286 Savings rate 36% Savings rate wasn't quite as high as I had hoped, but ...
by herp
Wed Mar 28, 2018 12:44 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 593
Views: 95954

Re: m741's ERE Journal

Congratulations on pulling the trigger, m741! I can absolutely relate to the flakiness when selling stuff online. Patience is probably the most important thing to have in this regard. I also fully agree with moving being stressful. I last had to move a few years ago while starting a new job at the s...
by herp
Tue Mar 06, 2018 1:45 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

February: Earned income 3480 Insurance 100 Rent 1045 Union + unemployment insurance 144 Food 215 Transportation 62 Phone 10 Healthcare 124 Entertainment 7 Fees 8 Associations 58 Electronics 7 Gift 4 Savings 1896 Savings rate 53% Much better savings rate than January, as I expected. I think I've deci...
by herp
Wed Feb 07, 2018 4:52 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 52
Views: 4688

Re: Journal From A Dane

Even though I don't budget per se , I've rediscovered YNAB. I remember trying it a couple of years ago when it wasn't in its current web-based version, and I couldn't quite make it behave how I wanted it to. I think I made the mistake of trying to input transactions and set budgets for months that h...