December 2012

2013 New Year’s Resolutions

12.31.2012
2013 blog new year resolutions

Happy New Year Everyone! 2012 went by so quite quickly, didn’t it? 2012 was a year of changes for us and I think we need to take it a bit easier this year. 2013 will be the year to shore up our finances and gather ourselves. Baby RB40 Let’s start with a goal for Baby RB40. He is almost 2 years old and he doing quite well on all the regular benchmarks. For 2013, we would like him to make a friend. This is quite a difficult goal because it’s hard to meet kids his age in our area now that he isn’t going [...]

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A Little Active Income Goes A Long Way In Early Retirement

12.27.2012
passive income crossover point

Generating enough passive income to cover the cost of living is the holy grail of early retirement. However, it’s quite difficult to amass that big lump sum to generate enough passive income to live on. People spend more money as they get raises so they need more and more income every year. Early retirement offers a way out of this cycle by forcing us to examine how we make and spend money. While passive income is good, you’ll most likely have to get creative if you want to retire by 40. Most people won’t be able to generate enough passive [...]

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What if you can’t avoid an accident

12.27.2012
what if you can't avoid an accident

The following is a guest post. Have you ever been in an accident? Most of us will be shaken up after an accident and the aftermath can be much more difficult if you don’t know what to do. I’ll never forget the time another driver hit my car on the freeway.  Even if you have never been in an accident, you should have an auto insurance policy. It’s the law in most states. However, having an insurance policy isn’t enough because you also need to know what to do after a car accident. Safety First of all, if anyone is [...]

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Have a Frugal Merry Christmas!

12.24.2012
Frugal merry christmas

Merry Christmas, everyone! Christmas is a great time of the year. Everyone is in such high spirits, but it can also be a financially stressful time. I hope you went easy on the gifts especially if you have any consumer debt. Currently we don’t have any consumer debt, but we still went relatively cheap on gifts this year. Baby RB40 is 22 months old now and he isn’t demanding specific toys for Christmas yet. He likes playing with Tupperware containers, acorns from the park, and empty Colgate toothbrush boxes. We went to Toys ‘R Us last Friday so he could [...]

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