Five Years, Lord Willing

Where are you and where are you going?
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Frugalchicos
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Re: Five Years, Lord Willing

Post by Frugalchicos » Wed Dec 19, 2018 3:19 pm

@Jason

Perhaps, instead of writing a play, you should start a magazine like Hello writing about frugal people. Who they are dating, their affairs, etc.. that could be fun :lol: .

I had no idea about MMM's divorce :shock: - I wonder what was the problem when it seemed his life was beyond perfect...

Jason
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Re: Five Years, Lord Willing

Post by Jason » Sat Dec 22, 2018 7:43 am

I have benefited tremendously from the ERE community, but let's face it, the only thing thing than they are more sensitive to than spending is their feelings. So, yeah, that would be fun. I would do deep-dive investigating as well: "FrugalinSomalia Revealed to Be Trust Fund Baby" "FIREMan revealed to still be working despite claim to being retired for five years" "Mymoneyormylife" photographed using vending machine in Jiffy Lube."

My sources are whispering that there might have been a MMM love triangle. I have been unable to verify if it was a star struck post-doc he met at a TED talk mixer or simply his ego.

ffj
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Re: Five Years, Lord Willing

Post by ffj » Sat Dec 22, 2018 4:06 pm

"FIREMan revealed to still be working despite claim to being retired for five years"

I was surprised you weren't the banned one to be honest. How did that happen? :)

Jason
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Re: Five Years, Lord Willing

Post by Jason » Sat Dec 22, 2018 4:37 pm

I'm not sure. But it has made speculate on JLF's views towards capital punishment.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Sun Dec 23, 2018 7:22 am

In a minor but significant move, we cancelled our last streaming service last night. This means we are back to DVD-from-library only television use.

The decision was based on quality of service/goods. HBO was costing us $200.00 per annum. I am not opposed to spending that amount of money if there is $200 of corresponding value provided. There was not. I think it's worth about $50-$100. So over the last few months we have cut spending down about $700 per year by eliminating all streaming services.

This was also partially inspired by the "too many options thread". Instead of putting ourselves in the vortex of 1,000 bad TV shows to choose from, we eliminated the matrix itself.

There is also an experimental angle to it. How will now fill the time previously dedicated to watching TV. If TV is the most telling indicator of consumerism, this should have ancillary benefits.

Also, emotionally and psychologically, it was a relief. So that is informative.

suomalainen
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Re: Five Years, Lord Willing

Post by suomalainen » Sun Dec 23, 2018 7:37 am

The wife and I have done this on a couple of occasions. It was a nice break for a while, but then we got tired of not having the option, so it only lasted ~6 months each time. Be curious to see how long you guys go before you want to indulge in tv again.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Sun Dec 23, 2018 8:27 am

That was part of the discussion. It's only a click away if we want to recommence. We also thought of strategic streaming - starting it up when a specific show is airing.

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theanimal
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Re: Five Years, Lord Willing

Post by theanimal » Sun Dec 23, 2018 12:19 pm

I watch some but infrequently enough that I can time it right with free trials from places like Amazon Prime and Showtime. If people had stronger communities, it would make a whole lot of sense to pool together and get one account. My friends and I share a Spotify account and I know others who share Netflix, Prime etc with families or friends (I've only noticed it among the young). It at least solves the financial aspect by only paying a few bucks a month instead of paying for the equivalent of cable.

I find it much more interesting when someone talks about what they've done in their free time instead of what they have sat on their ass and watched. Maybe now you can get off your ass and start that FIRE gossip column.

daylen
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Re: Five Years, Lord Willing

Post by daylen » Sun Dec 23, 2018 12:57 pm

theanimal wrote:
Sun Dec 23, 2018 12:19 pm
I find it much more interesting when someone talks about what they've done in their free time instead of what they have sat on their ass and watched.
I can relate. It is as if people use these sources as conversation starters. Sharing perceptions of a movie is "safe". All too often it does not actually lead to more subjective and interesting conversation. Having a "radical" opinion just seems to scare people off, and very few people actually want to take the time to explore a topic in depth. The only way to bypass this is to talk about their area of expertise (or what they like to do in their free time).

Small talk is boring. At family events, my strategy is to ask people what their passion is; if they are too ambiguous I ask an odd hypothetical question; if this fails then I abort the conversation immediately.

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Re: Five Years, Lord Willing

Post by Jason » Sun Dec 23, 2018 2:00 pm

There seem to be three type of people when it comes to gossip: those like JLF who truly don't want to hear it, those like (fill in the blank) who say they don't want to hear it but really do but will stop short of spreading it and talking about it in order to maintain the appearance that they don't want to hear it, and those people like myself who are just TMZ incarnate. For instance, that Toronto couple who never bought a house and takes selfies of themselves smiling and surfing in villages with starving people dying in the background? I just knew, I mean knew, not in a partial or guessing type of way but in a thoroughly epistemological exhaustive sense that she was pegging him with the speaker phone on while dominating a podcast they were doing, to the point that I could hear her temporarily removing the ball gag from his mouth just to give the impression he has a modicum of input into their rent vs. buy decision making process. I mean that is an obvious bring out the gimp type of relationship they have going on there. And what does this have to do with anything? Nothing, that's why it's gossip. And well, its what I tend to think about it.

And in the same way I know MMM went out of pocket. I mean the guy is Tom Cruise In Magnolia defcom level 5 at this point. I can smell the other woman on his stache just by reading his twitter feed.

With regard to giving up streaming, like the Animal who will supplant Animal like endeavors with other Animal like endeavors, I will merely substitute sitting on my ass type of things with other sitting on my ass other types of things. That's why I was Happy to get my Christmas gift today:

https://www.nyrb.com/products/anniversa ... 1442122951

I wish I could say I was going to learn metallurgy, start a non-profit or start giving a rat's ass about nature now that I am not watching mediocre television, but it's just not going to happen.

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FBeyer
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Re: Five Years, Lord Willing

Post by FBeyer » Tue Dec 25, 2018 8:08 am

Jason wrote:
Sun Dec 23, 2018 7:22 am
In a minor but significant move, we cancelled our last streaming service last night...
The decision was based on quality of service/goods. HBO was costing us $200.00 per annum. I am not opposed to spending that amount of money if there is $200 of corresponding value provided. There was not.

..There is also an experimental angle to it.
Significant indeed! Weighing price vs cost is how you get to the core of what you want out of life.
I freakin' love the willingness to experiment. We can all conjure up all sorts of shit as long as we make sure we sit on our asses and don't actually _do_ anything. Experimenting, even on a small scale, is how you make informed decisions.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Tue Dec 25, 2018 9:45 am

I think there's synergy between Daylen's/Animal's "you are what you talk about and FB's "experiment/informed decision" making process.

We bought an entertainment package that included content that has risen to the level of cultural phenomenon without analyzing price. So anecdotally, it's consumerism every which way to Sunday, albeit on a smaller scale than buying a McMansion and wondering why I don't awake every morning to a choir of angels singing me choirs of acceptance. Once the voice of "Is this really worth it" entered the picture, I realized, no, I had monthly installment buyer's remorse.

The decision to remove all streaming television content has a quantitative/qualitative impact on time, which is really what this is about, as we all get a limited and unknown amount of it.

Now, with this release of new precious time in my life, let's see if anything new pops today when I google "MMM Divorce."

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Frugalchicos
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Re: Five Years, Lord Willing

Post by Frugalchicos » Fri Dec 28, 2018 3:08 pm

Jason,

There is always a way of watching everything on the internet...if you know what I mean. That is what I always do.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Fri Dec 28, 2018 5:28 pm

Comprende, mi amigo.

I have to say, it feels great not seeing those drippy, drabby monthly charges on the credit cards.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Tue Jan 01, 2019 11:07 am

End of Year Numbers/Ruminations

Net Worth Progress
12/16 - $357,311
12/17- $447,638
12/18 - $490,291

Peak Net worth: $520 (9/18)

Extremely Disappointing to have crossed $500K and fallen under it. Progress is relative. There always could have been more. Obviously the stock market hurt, but there could have been a more committed attempt at frugality.

Debt
12/16 - 185K
12/17 - 190K
12/18- 163K

Debt reduction makes things more manageable. The first year I was focusing on investing, lately more eliminating debt. I'm not sure what simplicity is, but it doesn't exist with debt. Current debt is lowest ever.


2016 Books/Plays Read - 33
2017 Books/Plays Read - 48
2018 Books/Plays Read - 54

45 a year average.

Various and Sundry

My therapy costs me $120 a month in copay. The cost is offset by termination of streaming media. Very beneficial addition/subtraction.

Goals
- Finish Second Play.
- Financial goals are too hard to predict. Just hope shit works out. That being said, I would like to be over $550K this time next year.
- Cut back on internet use.
- Continue Pilates.
- Make concerted effort to be optimistic.

suomalainen
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Re: Five Years, Lord Willing

Post by suomalainen » Tue Jan 01, 2019 2:42 pm

Jason wrote:
Tue Jan 01, 2019 11:07 am
- Make concerted effort to be optimistic.
To my great shame, I LOL:ed at this. But, you know, good luck!

Jason
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Re: Five Years, Lord Willing

Post by Jason » Tue Jan 01, 2019 3:03 pm

I have too much to look forward to be affected by such mockery. I now possess an unwavering confidence in the arrival of more delicate early evening breezes, new releases by favorite authors, tenders moments with my wife, and most of all, further accounts of you getting wailed on with a rolling pin while rearranging your junk when watching John Oliver.

Come hither, future, I beckon thee.

suomalainen
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Re: Five Years, Lord Willing

Post by suomalainen » Tue Jan 01, 2019 3:13 pm

Nah (and here's MY optimism), I think we've turned a corner. The re-entry burn into the first teenager's puberty has completed and such histrionics are but a sidenote in the history of our love.

Certainly unrelatedly, this was just posted: http://www.mrmoneymustache.com/2018/12/31/divorce/

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prognastat
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Re: Five Years, Lord Willing

Post by prognastat » Tue Jan 01, 2019 3:51 pm

Props to him on talking about it. It's not something he had any obligation to do, but since it does have the potential to affect finances it can be worthwhile information. Glad it sounds like for the most part the divorce was amicable and went through without too much trouble. Definitely shows that FIRE can help with life changes such as these.

I wonder if the other blogger he is referring to is financial samurai. I had to admit his articles relating to it came across as distasteful, opportunistic and slightly vindictive. He was a blogger I was aware of before but wasn't actively following and those posts didn't make me more likely to do so.

Jason
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Re: Five Years, Lord Willing

Post by Jason » Wed Jan 02, 2019 5:45 am

The way he covers himself, he should change his name to Mr. Money Beard.

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