Early Retirement Extreme Forums

Yeah I hear you. And the consequences of moving somewhere in the country where real estate is cheaper can have quite negative consequences. It might also have positive consequences, but those seem less predictable, and probably less remarkable than the negative consequences.

@delay I have read of people who argue never paying down your mortgage, and that you should just pay enough to be able to get your bank to allow you to just pay off the interest and never the principal. In theory you have a mortgage forever, and you just pay "rent" in practice for your house. The ...

So our efforts at reducing our food costs has gone well this month. I dont think we did anything more than just be conscious that we wanted to reduce our spending at the grocery store, but it has had the dramatic effect of reducing our costs by about 30%. Thats both interesting and exciting. One ...

Two big purchases this week>
1. a new to me refurbished computer.
2. A new pair of glasses.

One big sale:
1. A bike that I didnt use.

Of course these cost some money, but in return I also sold one of my bikes for a tidy some which more than balanced out the two expenditures. That was an act of ...

Thanks! By lentien I meant something related to the period of lent, so the 40 days before Easter, which often includes some sort of symbolic sacrifice.

I used to work in coffee, so it has a place in my heart. I could have a worse addiction

@loutfard thanks for the perspective, those numbers are powerful. Giving up coffee has been used as a "sacrifice" before, so my relationship to it is less a luxury and more of a staple. My first reaction to your suggestion was "thats awfully ascetic..." Could very well be worth an experiment without ...

@ertyu 2 young kids and a lot of home office really adds up

Hello,
entry #2

Time flies these days, suddenly its Friday again.

So the goal for september is a clear but modest improvement in household good expenses. I know this is not the most interesting or philosophical discussion, but seems like some nuts and bolts that are worth focusing on and talking ...

@chenda, that seems like a fair analysis.

@sky, thanks. thats a reasonable suggestion!

@Salathor, thanks. Your suggestion sent me looking to see what the average food expenses are here for a family of four, and we spend about 75% percent more than the average apparently. I am going to do a deep ...

Public transport during rush time drains me, personally, so if the choice is between a bus and walking, and they take the same amount of time, I will walk. The bus always takes longer than you expect, in my experience. Never shorter, in any case!

Even if you find walking to be a drain occasionally ...

Hello,

So to start my journal.

My Vital stats: I turn 38 this month, I live in Oslo with my wife and two young daughters, our only debt is our mortgage. We are a good family. Our NW is positive, though nothing especially useful yet.

Goals: FI, the ability to solve most problems without the ...

Hello,
Thanks for allowing me into this forum, I have been an on and off lurker for years but I am finally sitting down to engage. Hello!

My primary goals are freedom, independence, and to take at least a few steps away from a purely economic mindset. What do I mean by a purely economic mindset ...