Are you a Minimalist or a Pack Rat?

09.05.2014
Are you a Minimalist or a Pack Rat?

You know, I think collecting things is very instinctual. That’s why we buy so much useless stuff and clutter up our homes. It’s so difficult to throw things out and many people would rather rent a storage unit to store the stuff they don’t even use anymore. It’s just human nature to collect things. Here is our subject today – RB40 Jr. He has been collecting sticks and rocks for a while now and they’re his pride and joy. Whenever we go out, he’d pick up some sticks and swing them around. By the time we get home, he’d be […]

35 comments Read the full article →

August 2014 Goals and Financial Update

09.03.2014
August 2014 Goals and Financial Update cash flow

Summer is over. Some people love the fall, but summer is my favorite season. I love the sunshine and warm weather, and there are just so many fun things to do. It’s a bit sad, but I guess that’s life. Maybe someday we’ll move to Hawaii and I’ll get my fill of sunny days, heh heh. Mrs. RB40 likes the seasons, though, so we’ll probably stick to Portland for a while. We did okay overall in August. Our expense is lower than usual because we just stayed in town. We were all sick, too, so we took it a bit […]

30 comments Read the full article →

Avoid Becoming Institutionalized By Your Job

09.01.2014
Avoid Becoming Institutionalized By Your Job

Ah, Labor Day. Can you believe summer is almost over? The chill is already in the air and school will be starting soon. We had a fun summer, but it was too hectic. The beginning of autumn will still be busy for us with a new school, FinCon (financial blogger conference), visiting family, and job training (Mrs. RB40). After October, everything should slow down, though. We’re really looking forward to hunkering down and taking it easy for a while. Anyway, I hope everyone is enjoying their Labor Day holiday. Labor Day celebrates workers who have made our country prosperous. Workers […]

29 comments Read the full article →

8 Tips to Help You Live Within Your Means

08.29.2014
8 Tips to Help You Live Within Your Means

The first step to financial independence is to live within your means. To me, that automatically means living frugally, but that’s just how I think. My family struggled financially when I was growing up so I default to saving first. When I first started working, I lived modestly and saved what I could. I lived within my means, but I think I probably could have done better knowing what I know now. What would I tell my 21 year old self? Let’s see… Track your income and expenses When I was in my 20s, I never tracked my income and […]

53 comments Read the full article →