Early Retirement Extreme Forums

Just next month of "rolling stone on the hill". Something changed in my workplace and I enjoy my work more. Is it my attitude of being more FI with every month? I feel good not having pressure to earn money. Separating work from earning money is great!!!! On the negative side, main stock i...

End of may numbers:
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Liabilities: 212,051
Cashable assets : 110,500
Stock assets : 243,524
NW : 141,975
Cashable/liabiilities ratio : 52,1%

Monthly spending (in Polish currency 1 EURO = 4,2 PLN) ---- House bills: (water = 80, electric = 200, gas = 150, local taxes = 50, internet connection = 50, taxes + insurance = 50) total = 580 PLN car: fuel = 150, (yearly insurance + maintenance)/12 = 250 total = 400 PLN 2 x commute combined ticket ...

End of april numbers:
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Liabilities: 213,322
Cashable assets : 108,400
Stock assets : 241,925
NW : 137,003
Cashable/liabiilities ratio : 50,8%

March brought some minor changes in my finance. On a positive side I had got a pay rise. 7%. It was my first pay rise in current job. They have also paid me an annual bonus!!! 13% of yearly income. Great !!! On the negative side stock market in Poland went down ~ 6% this month and my portfolio suffe...

February the worst month in every year for me. I hate the end of a winter, I have some sort of depressive incident there. I crave for sun, warm and long day. Fortunately Feb is over. March is so-so, it is a time to plan summer holidays, summer leave. The only one positive thing of Feb is my wife ann...

Hello 2018 year, welcome to subsequent frugal month in my life.
Nothing really important happened in my life, end of January numbers:
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Liabilities: 216,283
Cashable assets : 93,750
Stock assets : 237,070
NW : 114,537
Cashable/liabiilities ratio : 43,3%
NW/future expenses ratio : 21,1%

Thank you for your response. You are so confident and this is good. Your savings rate is so exceptional. Even you skipped a holiday last year, but .... I couldn't do that. What I would be affraid of is that you have 5-6 years of work ahead of you. Don't you feel mental fatigue now? 5-6 years is a lo...

I want to give an overview about my ERE-lifestyle with cost influencing topics...... Housing: - I live in my own apartement outside of a city .... Food: - I eat a wholesome, plantbased diet (very seldomly I eat meat or cheese...) ... Other: - I cut my hair by myself.... I 've had some free time and...

Great year 2017, I wish 2018 will be similar. I don't have any particular financial plans for next 12 months. Low interest rates period slowly ends but my mortgage is still high. I still benefit from differences between mortgage Interest (lower) than bonds interest (higher) - this is weird and this ...

Below my current asset allocations:



Most of 2017 portfolio increase was due to savings, my bonds part give me only 1,7% income while stock ~ 5%.
Stock market in Poland is very moody, we are still 30% below 2008 tops.

I couldn't agree more @SavingWithBabies. Month after month it is more clear that FI part is more important for me than RE part. This also affect my medium/long term targets. I have so much mental energy that just leaving a job to retire wouldn't make me happy. Nomad lifestyle also is not a good for ...

This month is a dual fete. My first anniversary on this forum and my targets for 2017 are completed one month earlier. This 12 months has been the best in my live (in a financial way). Hurray for me !!!! End of november number: Liabilities: 218,009 Assets: 320,480 NW: 102,471 Saving/time ratio: 96,7...

End of October numbers:
Assets: 316,245
Liabilities : 219,058
NW : 97,187
Saving/time ratio : 97,2%

Thank you for your comment MDFIRE2024. FIRE is far more complicated than save 75% now and retire in 5 years. I started my journal with 100% saving goal and now I'm transforming my goals towards better life now and in future. FI part goal is to reduce now and annihilate in future money problems. 70% ...

I have been thinking long and hard about FIRE and have problem with 'RE' part. What will I be doing on early retirement? Now my life is full with obligations: kids, family, work. I feel tired. But in a few years my kids will start theirs own life. So if I drop a job then - how will I fill every sing...

@MDFIRE2024 I think this improvements wont benefit in financial way ever. Point 1 economical positive (lower water bills) Point 2 economical negative (electricity is more expensive than natural gas) So I don't expect any ROI, but I expect life quality betterment. My house in next to forest and close...

During this year's holidays I slipped on over o dozen houses/accommodation and after returning home decided to improve 'my place' to be more energy efficient. 1) I replaced my tub with a shower to reduce my water bill. 2) I replaced my gas stove with induction hob to reduce moisture (gas stove is a ...

This is me fog_tree; I dont know why but I was neither able to log in nor to recover my password; I think I lost my credentials :( Never mind, I'm still on ERE path but under different name. You can recognize my by my faulty english :) So below are my end of august numbers: Assets: 305,578 PLN Liabi...