Early Retirement Extreme Forums

Thank you chenda
My saving rate is around 35%-40% on average, and NW movements seem to be heavily dependent on the investment gains/losses. Last year, for example, I added $38k myself but lost $49k (stock market and IP)...

Hi!
Just out of curiosity - you're not including value of the new car into your Assets?
(I don't bother myself, but my car is like $6K not $74K haha)

So sorry to hear about your horse. The pets and animals are so special and it's so sad to lose them when the time comes.

Time for the EOY update. 2020 was crazy: - Nearly got divorced but got back together - One child had a surgery (all ok now touch wood) - Another child had mild ADHD diagnosis and a prescription for ADHD medication. He finished Year 12 in school and got offered a place in Uni but decided to defer for...

Congratulations! How much is 1 JAFI these days?

Hope you get better soon! This Covid is certainly a nasty thing.

I am grateful for your last update. Yes every journey is ups AND downs like in this famous meme. https://i.ibb.co/9HvXxLw/success-1.webp But I still think you're (and frankly, me, too) in a much better place now you've been trying all these years than if you weren't even trying or worse - not even a...

Thanks! Sooner or later I will, but will be an expensive lesson. Like Dave Ramsey says, "I've done stupid with zeros at the end". re: spying devices - I'm on my Dell laptop right now and signed on to google so must be it (this time), other times it could have been an apple phone or maybe e...

PS: my devices are spying on me I had quite a few suspicions before - e.g. ads showing up after discussing buying certain items (not googling these items, just talking about them!) and similar. Now - just wrote in the post above about my work dissatisfaction and stress... and this comes up in my you...

Another journal entry from a somewhat uncertain stage of life. "This too shall pass", but so far: Family Things are good with me and my husband, not splitting, not divorcing, leaving peacefully and being extra careful with each other as I think we both appreciate this peace. Kids had some ...

Ended up not moving out, still together. Things are peaceful at home and let's see how it goes. The house (investment property) nightmare continues, I am trying to find another builder who will take over and complete the unfinished build. However, it is proving not easy (and not cheap). Markets this...

Glad your little girl is feeling better. Wishing you all a bit of calmness and peace next coming year.
ps Your ex is funny, hope he wasn't too disappointed with your answer)))

Thanks. Will keep going. Rental market is brutal at the moment here, put some applications but didn't get any of the places I applied for. Last one was rather upsetting: I applied, heard nothing back for a week, and just saw the rental agency/owners scheduled another open house for tomorrow (obvious...

Thank you. Not being able to read a book cover to cover really resonates right now.

Thanks guys

I haven't updated my journal for a while. Basically, was going through a patch of s***t and kept thinking that I will post an update when it is all over, when things are better, and I can then write a cheerful note from the top, from a position of victory, about how I have survived the storm etc. Ex...

Congratulations, and thank you for sharing your story. Always inspiring to see other people’s progress. You seem to be having biggest gains around New Year’s Eve - end of year NW is X then start of next year NW is suddenly Y, I need to learn that trick!

Brilliant! That's why they call it 'FU money'

High-five!
…dying to see some pictures now… ‘ass-ets’ and whatnot)))

July 2021 - scraped every spare $ and repaid last remaining CC debts. First time debt-free in many years. I better remember how good it feels! Note to self: DON'T DO IT AGAIN! Just... don't! ...closed credit cards too. Left one 'just in case' but reduced the limit to $1000. Fingers crossed, I won't ...