Search found 7 matches

by benecia
Fri Oct 13, 2017 4:42 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

Hi MDFIRE2024, No I don't count debt reduction as saving rate, I use it as motivation telling myself that "the sooner I pay down debt the quicker I can increase my savings rate" and also it makes me think very carefully about any debt I take on. I only have student debt and housing debt
by benecia
Thu Oct 12, 2017 4:22 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

I have to say that there are a lot of active journals on this site, which is awesome. I had to go 3 pages in to the journal section to find my journal :D September Summary Food 2.86% Bills 28.77% Debt Reduction 43.9% (inc. Student loan and Mortgage) Books, Social inc. Presents 3.29% Savings 31.94% I...
by benecia
Fri Sep 08, 2017 2:54 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

Hey Jason thank you for the encouragement. I do appreciate it. I've probably given the wrong impression, sorry I should explain myself more. I'm almost middle aged, which isn't old or young. It's just the site is called early retirement extreme and my retirement won't be early and I'm not taking any...
by benecia
Thu Sep 07, 2017 3:11 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

A month goes so quickly, firstly the numbers: Food 4.55% Bills 28.8% Debt Reduction 40.18% (inc. Student loan and Mortgage) Books, Social inc. Presents 3.64% Savings 23.22% Not having a functioning kitchen is expensive. Spending in the Food and Social categories was above average in August as I ate ...
by benecia
Mon Aug 07, 2017 1:34 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

Hi Noedig, thank you for the links, great resource.
by benecia
Sun Aug 06, 2017 6:05 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

Re: benecia's journal

Hi, Thank you Zanka. Hi, Eureka, once the house is sold I'll pay off the student loans and mortgage, but will borrow again to buy a property that will cost 10 - 16% of my after tax income. Hi MDFIRE2024, my current ratio calculation is pretty crude, I use total assets/total liabilities. So I am almo...
by benecia
Sun Aug 06, 2017 1:01 am
Forum: ERE Journals
Topic: benecia's journal
Replies: 12
Views: 805

benecia's journal

I love the byline on the journal section in the board index, “Where are you and where are you going?” So ... where am I? I mostly enjoy my job, it’s challenging and the people I work with combined with the problems I get to solve and think about all make for an environment I enjoy. So why the FI foc...