Search found 142 matches

by herp
Sun Nov 03, 2019 4:26 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

September: Earned income 1828 Gift card 45 Entertainment 456 Refunds 64 Total income 2393 Rent 766 Union + unemployment insurance 89 Groceries 230 Utilities 18 Phone 7 Transporation 57 Healthcare 51 Entertainment 19 Banking fees 4 Software 7 Electronics 7 Other 4 Total expenses 1259 Savings 1134 Sav...
by herp
Thu Sep 26, 2019 4:47 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

Thanks for the detailed update! Looks like you're doing extremely well, if I may say so. FIRE is definitely within your reach.
by herp
Tue Sep 10, 2019 9:28 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

Just taking the deposits to savings/investments as a fraction of income might not be a bad way to go. Perhaps I'll trim down to doing that starting next year. It obviously won't be fully accurate, but it should provide a reasonable approximation.
by herp
Sun Sep 08, 2019 8:48 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

August: Earned income 3966 Sale of items 66 Entertainment 11 Total income 4043 Rent 759 Utilities 104 Union + unemployment insurance 88 Groceries 198 Phone 7 Transporation 55 Entertainment 27 Software 7 Misc 18 Furniture 59 Total expenses 1322 Savings 2721 Savings rate 67% Another excellent month wi...
by herp
Sat Aug 24, 2019 7:40 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

July: Earned income 3910 Sale of items 52 Insurance 93 Entertainment 13 Total income 4068 Rent 762 Union + unemployment insurance 89 Groceries 230 Phone 7 Transporation 56 Healthcare 51 Entertainment 36 Software 7 Total expenses 1238 Savings 2830 Savings rate 69% July was a great month in terms of s...
by herp
Sun Aug 11, 2019 1:26 pm
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 534
Views: 121218

Re: DutchGirl's journal

I agree with wolf. The fact that colleagues are happy to work with you is something that I would consider a big plus. I'd go as far as saying it's one of the best qualities you can have as an employee.
by herp
Sat Jul 27, 2019 7:29 am
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

The topic of insurance is an important one. I think most people buy too much insurance and pay dearly for it. But going without insurance can be risky as well if you end up in a catastrophic situation. Optimally, you should only insure against events that would have immense financial consequences. I...
by herp
Sun Jul 14, 2019 12:55 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 670
Views: 134381

Re: m741's ERE Journal

@jacob - A great breakdown of two different types of schedules that I never really thought of. It makes perfect sense as getting interrupted at work is the single biggest source of professional frustration.
by herp
Sat Jul 13, 2019 6:21 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

June: Earned income 1628 Sale of items 38 Insurance 30 Entertainment 7 Reward 8 Total income 1711 Rent 774 Union + unemployment insurance 90 Groceries 198 Phone 7 Transporation 57 Healthcare 119 Entertainment 20 Banking fees 37 Software 6 Electronics 198 Total expenses 1506 Savings 205 Savings rate ...
by herp
Mon Jul 08, 2019 5:34 pm
Forum: ERE Journals
Topic: JollyScot's Journey Starts
Replies: 78
Views: 13378

Re: JollyScot's Journey Starts

Sorry to hear about the missed contract, but it sounds like you did the right thing. No sense in bidding yourself down to bargain basement levels in that case. I hear you about working in a quiet area. One of the main challenges I've had where I currently work is that it's one of those big open offi...
by herp
Thu Jul 04, 2019 1:26 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

@thedollar: Keep me posted! I went from a BMI of 26.3 to 21.5 about 6-7 years ago, but now I'm back up to 25.4. Ideally I'd like to land right around 23 as I felt most comfortable there. I also had more muscle mass as I was doing some bodyweight exercises, which really showed. It's pretty fascinatin...
by herp
Thu Jul 04, 2019 12:40 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

@jacob: Sorry about quoting posts, I actually went out of my way to do it as it seems to be good form on most forums. I'll try to avoid quoting posts immediately above my own in the future. @thedollar: Yeah, that's been my own experience as well. Perhaps the solution is to set less restrictions whil...
by herp
Thu Jun 13, 2019 10:48 am
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

That diet was actually very close to what I practiced when I last lost weight. Counting calories was key to me, as I would otherwise do far too much mental accounting to try to keep track of things and not really have a clear idea of how much I had consumed. Additionally, the process of having to lo...
by herp
Wed Jun 12, 2019 12:59 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

Great work!

I did a similar weight loss journey half a dozen years ago, but unfortunately I pretty much gained it all back due to stress. Now I'm trying again and got off to a good start last year, but I keep falling off the wagon and gaining it back.

Do you have any tips?
by herp
Thu Jun 06, 2019 3:34 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

With my current calculations I'm assuming an SWR of 4%. However, studies seem to suggest that's not a safe perpetual withdrawal rate, so I'm also considering a lower SWR, even if it's a bit depressing to think about. I would not go lower than 3%, though. At the end of the day, I'm optimistic and hop...
by herp
Thu Jun 06, 2019 1:57 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

Thanks, thedollar! Despite market turbulence and my individual stock portfolio not really working out that well over the past two years, savings are at least going very well. I'm just over 1/4 towards my FI goal. My answer to your investing question is boring (and good as I'm sticking to my plan!). ...
by herp
Thu Jun 06, 2019 9:13 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

May: Earned income 3974 Tax refund 2 Referral 8 Sale of items 151 Total income 4135 Rent 773 Union + unemployment insurance 90 Groceries 231 Phone 7 Transporation 57 Healthcare 51 Entertainment 15 Subscriptions 6 Gifts 21 Total expenses 1251 Savings 2884 Savings rate 69% An excellent month in terms ...
by herp
Sun May 05, 2019 11:11 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

April: Earned income 2057 Entertainment 5 Insurance 90 Tax refund 359 Total income 2511 Rent 768 Union + unemployment insurance 89 Associations 52 Groceries 217 Phone 7 Transporation 59 Utilities 157 Healthcare 51 Entertainment 19 Subscriptions 89 Total expenses 1508 Savings 1003 Savings rate 40% I ...
by herp
Sun Apr 21, 2019 6:20 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 85
Views: 14677

Re: Journal From A Dane

March: Earned income 4613 Sale of items 76 Entertainment 30 Total income 4719 Rent 778 Union + unemployment insurance 90 Groceries 231 Phone 7 Transporation 58 Utilities 188 Banking 4 Healthcare 104 Entertainment 24 Total expenses 1404 Savings 3315 Savings rate 70% Seemingly, another great month in ...
by herp
Fri Mar 29, 2019 4:39 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 85
Views: 12950

Re: the dollar journal

Very interesting! Would you mind sharing your tax loss harvesting strategy? Do you just sell and re-purchase whenever there's even a small loss to harvest?