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January 2018 Goals and Financial Update


January 2018 Financial Update

January is over! We were sick on and off for about 3 weeks, but we’re all much better now. It was a very slow month and we spent most of our days at home. Mrs. RB40 enjoys these slow winter days because she can catch up on some of the things she’s been meaning to do. The summer months are so much busier for us because there are so many activities to do. Anyway, it wasn’t an exciting month at the RB40 household. We went out to eat a few times and that was about it. Oh, Mrs. RB40 took me to see The Book of Mormon. That was a lot of fun, but there were many cringe worthy moments. Mrs. RB40 should have told me the show was from the creator of South Park. I’d have expected plenty of offensive jokes, then.

On the financial front, January was a great month for investors. The stock market shot up most of the month and went down a bit over the last few days. The pullback probably will continue for a bit, but I’m not worried. The economy is still doing great so I think the stock market will come around. I’ll keep contributing to my 401k and not worry about the stock market blow off too much. We did very well in January and I hope February will turn out equally well. Okay, let’s go over my 2018 Goals first and then see how we did with our cash flow in January.

2018 Goals

This is my goal scheduling spreadsheet. Last year, I found that I needed to start these goals in the first half of the year. If I wait until summer, they just won’t get done. January was pretty slow. You can get a quick status update from the chart and see the details below.

2018 Goals Update

Financial Goals

  1. Increase our real estate crowdfunding investment to $100,000. We’re doing well with this goal. We’re low on cash, though. I’ll probably have to save up for a few months before I can invest in the next project.
  1. FI ratio > 100%. FI ratio is passive income/expense. Currently, our FI ratio is 39% so far in 2017. That’s very low, but it will improve. Q1 is a slow passive income month. Our expenses were higher than usual as well.
  1. Increase bond/cash allocation to 30%. Going to 30% bond/cash will beef up our opportunity fund. However, I’m not in a big hurry to do this because I think the stock market will go up this year. I’ll try to get it done before the end of 2018.
  2. Travel hack 100,000 points. I got a head start on this one from last year. It’s on the back burner for now. I’ll sign up for new cards later this year when we have a big expense.

Blog Goals

  1. Minor Redesign RB40. WIP
  2. Blog 12 times at Fit by 40. This one is on track so far. It’s not an ambitious goal and I think it will help me stay on top of fitness. You can see how I started the site here – How to Start a Blog and Why You Should.
  3. Blog income $100,000. This one is going to be very difficult so I’m grading it on the academic system. Q1 is the best quarter for blog income and we did very well in January. You can see more detail on my Blog Income page.

Personal Goals

  1. Join Toastmaters. WIP
  2. Not paying for leaf removal. Showdown in November.
  3. Consolidate down to one property. We plan to move into our rental duplex and sell off the other 2 properties. This one will probably take more than one year.

Fun Goal

  1. Visit Iceland. The trip is a go. We booked our flight tickets and some rooms. Iceland is a very expensive country to visit, but it should be a great trip.

Net Worth (+3.4% YTD)

I’ve been tracking our net worth since 2006 and it is very motivating to see the progress we’ve made. 2018 is off to a great start. Our net worth gained 3.4% in just one month. That’s big. February has been bad so far, but I think it will turn around.

My bet with Warren Buffett – I’ll benchmark our net worth against VFINX for 10 years starting in 2018. VFINX had a great month and outpaced our net worth by a huge amount (5% vs 3%.) The smart money would be on Warren Buffett. However, I think we still have a chance. This is just the beginning of the race.

Here is the picture of our net worth from the beginning of the year, on Personal Capital. We’re doing well so far.

2018 Net Worth

*Sign up for a free account at Personal Capital to help manage your net worth and investment accounts. I log in almost every day to check on my accounts and cash flow. It’s a great site for DIY investors.

2018 Passive Income ($2,403 YTD)

Here is a quick summary of our passive income. You can see all the details at my new Passive Income page. We’re off to a slow start in 2018 because one of our rentals is vacant. I’m sure it will pick up, though. I met a very good prospect this weekend and the condo should be rented very soon.

Passive Income 2018

January 2018 Cash Flow

Our cash flow was very good in January. Mrs. RB40 had 3 paychecks which gave us a big boost. My blog income was also excellent. Our expenses were higher than usual, though. We spent more than usual on health and travel. Check out the Sankey diagram and see the details below.

January 2018 cash flow

Take Home Income (target > $10,000)

For 2018, our monthly take home income target is $10,000. January was a great month and we blew that target away. Mrs. RB40 had 3 paychecks so that helped tremendously. The only big issue was the rental income. Our rental condo has been vacant so it is hurting our bottom line. I raised rent a bit on our duplex and that helped a bit. At least, we have positive cash flow even with one unit empty.

Monthly Expenses (target > $4,800)

For 2018, our monthly core expense should be under $4,800, an increase of $300 from 2017. This does not include contributions to 401k, Roth IRA, and college savings. This month, we went over budget quite a bit. We spent $6,284. The travel bill busted our budget.

In January, we had spent more than usual in health and travel. We visited our dentist for a routine checkup and cleaning. I also went to see my optometrist and ordered a pair of computer glasses. My eyes are getting older and I need a separate pair of reading glasses. My right eye gets blurry by the end of the day with my current single vision glasses. Pretty soon, I’ll need a pair of progressive glasses. 8(

As for travel, we’re going to Iceland in June with another family. I have known them since college and our kids were born just one day apart. We’re getting a van and renting Airbnb to fit our 2 families. It should be a lot of fun. Iceland is more expensive than any country I’ve visited, though. The van rental cost $1,700 for 10 days and that’s not including extra insurance. Food and lodging will be very expensive as well. I used up most of my travel hacking points last year so we’ll pay for everything this year. Next year, we’ll go somewhere cheap.

  • Housing: $2,355. Our housing expense is creeping up due to property tax and HOA fee increases.
  • Groceries: $381. Our grocery bill was surprisingly low in January. We ate very well at home and I even cooked a Chinese BBQ duck for New Year. Junior loved it.

Chinese BBQ duck

  • Cash: $100.
  • Transportation: $76. We share one car and we don’t drive much. I drop RB40Jr off at school in the morning and go grocery shopping on the weekend. That’s about it. We drive more in the summer when we visit local attractions.
  • Kid: $68. Junior signed up for soccer in spring.
  • Pet: $20.
  • Bills: $274. Electricity and insurance (auto, home, term life, and umbrella.)
  • Health: $594. We visited our dentist. I also visited my optometrist and ordered a new pair of glasses. This category includes gym membership, new electric toothbrush, and vitamin D.
  • Travel: $2,141. We got our flight tickets and a cabin near Skaftafell National Park. Next month, we’ll book the rental van and the rest of our lodging.
  • Clothing: $275. Mrs. RB40’s work clothes.
  • 401k: $4,085. I contributed $2,000 to my 401k. Mrs. RB40 contributed $2,085 to hers.
  • College Savings: $2,000.
  • Extra Savings: $5,676

Opportunity Fund: $4,880

2018 is off to a good start and we have an extra $5,676 to play with. This will go into our saving account to beef up our opportunity fund. We keep about $15,000 in cash as our emergency fund. Anything above this will be use opportunistically. Our opportunity fund is very low right now because I just contributed $11,000 to our Roth IRA.

Here is what I’d like to do with our opportunity fund in 2018.

  • Invest more in real estate crowdfunding.
  • Pick up some dividend stock if I see a good deal.
  • Actually, I think we’ll owe some taxes this year. It will come out of this fund also.

January 2018 Wrap Up

Overall, January 2018 was a great month for us. Our income was great. Our expenses were higher than usual, but that’s all right. I’ll work on keeping our expenses under control for the rest of 2018. We still have 11 months left to average it down so I’m not too worried.

Iceland will be an awesome trip and we’re all looking forward to it. I just wish we could have travel hacked a bit better. Apparently, Iceland is so popular in the summer that we have to book as soon as we settled on the date. We didn’t have time to apply for a new credit card and put these charges on it. Oh well, I’m sure there will be other opportunities to spend money this year.

February should be fun with the stock market gyration. Our portfolio dropped 3.55% last week according to Personal Capital. We’re still up for the year and I don’t think the stock market is quite ready to blow off yet. I’m pretty sure it will recover and pushes higher. Anyway, stick to your plan and keep investing.

Did you have a good January? Winter is always a little slow for us. We like hunkering down at home and not do too much when it’s cold outside. I’m hoping for nicer weather soon, though.

*Sign up for a free account at Personal Capital to help manage your investments. I log in almost every day to check on my accounts and cash flow. It’s a great site for DIY investors.

Disclosure: We may receive a referral fee if you sign up with a service through the links on this page.

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Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, he hated the corporate BS. He left his engineering career behind to become a stay-at-home dad/blogger at 38. At Retire by 40, Joe focuses on financial independence, early retirement, investing, saving, and passive income.

For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.

Joe highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help every investor analyze their portfolio and plan for retirement.

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{ 60 comments… add one }
  • Mr. Tako February 5, 2018, 12:29 am

    Looks like an incredible month Joe! Your blog income is great as usual!

    Most of our passive income comes from dividends. Last year we made $53k from dividends and I’m hoping to repeat that again in 2018.

    If the market goes up or down it won’t really matter, we’ll still be able to pay the bills!

    Have fun in Iceland!

    • retirebyforty February 5, 2018, 9:29 am

      Thanks! Q1 is the best months for blog income. We have to make hay while the sun shine. It’s going to slow way down in the summer.

      • Dividend Growth Investor February 6, 2018, 9:00 am

        Mr Tako, your dividend income is amazing. And it leaves out tax-deferred accounts too..

        I think Joe’s dividend income from taxable and tax deferred is pretty high too.. But I like his diversified streams of income.

  • Ernie Zelinski February 5, 2018, 12:41 am

    First, your blog income is amazing. Congratulations.

    You ask, “Did you have a good January?” at the same time mentioning “Winter.” It was quite cold in Edmonton (much colder than Portland) where I live so I spent two separate weeks in Vancouver where it is warmer at a cost of around $1,500 per week. The three grand was a great expenditure. My remote starter in my newer car (which is a 2004 model) wasn’t working so I gladly spent $720 replacing it with a better unit that has a much greater range. I hate getting in a cold car so this was a great expenditure. I also spent over $29,000 on a new print run of over 17,000 copies of “How to Retire Happy, Wild, and Free.” This was also a great expenditure because this print run should bring back around $157,000 in revenues in the next eight or nine months. So, yes, I had a great January with all the money that I spent. I spent a lot of money on wining and dining my friends in Vancouver and Edmonton too. I am not sure how much this was, however.

    • retirebyforty February 5, 2018, 9:31 am

      It’s great that you’re enjoying life. You’ve earned it. Once our kid is out of the house, I’ll try to spend our winter elsewhere too. It’s not too bad in Portland, but there are much nicer places all over the world.
      Thanks for sharing. I love hearing about your print run.

  • Joao @ GrowtoRetire February 5, 2018, 1:18 am

    Great to see how you show the goals for this year. It really gives a clear picture where you at.
    Really hope that you can reach the 100k on the blog, will follow up! 🙂

    keep it up the excellent work.

    • retirebyforty February 5, 2018, 9:36 am

      I hope so too. It’s going to be tough. I need to be much further than this in January because Q1 is the best time for blog income.

  • Michael @ Financially Alert February 5, 2018, 1:24 am

    Joe, I hear Iceland is incredible. It’s definitely on our travel bucket list. We’ll be headed to Thailand at the end of the year for a wedding.

    January was decent for us. We had a modest increase in net worth and cash flow. 🙂

    • retirebyforty February 5, 2018, 9:36 am

      Thailand is so much cheaper than Iceland. 🙂

  • Caroline February 5, 2018, 3:26 am

    Your blog income is increasing nicely.
    My January was pretty good overall. Dividend income is increasing steadily.
    On the new post format, I liked it better when you had everything on one page instead of three.

    • retirebyforty February 5, 2018, 9:36 am

      The passive income pages? Thanks for the feedback.
      I’m afraid there is too much information if I cram them all into one page. This way, readers can click on to whatever they’re interested in. It’d be a massive page.
      I’ll think about combining them.

      • Caroline February 6, 2018, 7:59 am

        Yes I guess that makes sense if someone just wants the highlights vs. the full detail.

  • Ms99to1percent February 5, 2018, 3:33 am

    You guys did really well. Keep it up!

    Also, good to see you have an opportunity fund. We have one too, combined with our emergency fund.

  • Lily | The Frugal Gene February 5, 2018, 3:36 am

    Iceland sounds so awesome!!! Can’t wait for the blog updates on those. And your blog income is like money porn to me!!! Blogging is more satisfying because it’s not a standard 9 to 5, aye what a dream :O I can’t believe your transportation total was under $80 and that’s with a car! I totally see me and Jared doing that since we both hate driving.

    • retirebyforty February 5, 2018, 9:44 am

      Blogging is great. I love it. Being my own boss is much better than anything else I ever tried.
      We live downtown so our transportation cost is minimal. The car is paid off and I hope it lasts until Junior goes off to college.

  • Accidental FIRE February 5, 2018, 3:37 am

    Great update Joe, congrats on another great month. Your blog is killing it for you.

    You’re going to love Iceland, I’ve been twice. It is expensive but if you do some outdoor activities such as hiking etc you can see amazing sites such as glaciers and geysers and not spend as much.

    • retirebyforty February 5, 2018, 9:46 am

      Thanks. We plan to do some light hiking. We have little kids and they aren’t that good at hiking. (Actually, I’m probably the worst hiker here.) It’s just not my thing.

  • Tom @ Dividends Diversify February 5, 2018, 4:27 am

    Hi Joe, Nice update. Glad you all are feeling better. The blog income always amazes me. If you double your 25 hours per week you have a typical corporate job commitment. Double your blog income and you have a $140K job/compensation equivalent to the corporate world with the added bonus of being your own boss and working when you want to. Of course it took, time, smarts and savvy to get it to this point, but it still is amazing. Tom

    • retirebyforty February 5, 2018, 9:48 am

      Thanks! That’s how I look at it too. I prefer to work less and at my own pace. I wouldn’t go back to a corporate job even if they pay me $140k/year. They typically demand much more than 40 hours per week.

  • Ms. Frugal Asian Finance February 5, 2018, 5:00 am

    What an awesome month in terms of income, net worth and everything else! The increase in expenses is not too substantial given that it was the holiday season and you take home pay was three times the expenses.

    I’m rooting for your blog success this year!!

    • retirebyforty February 5, 2018, 9:49 am

      Thanks! The higher expenses is mostly due to Iceland. February will be high too because I just booked the van. Hopefully, we’ll be able to keep it down the rest of 2018.

  • Chris Urbaniak February 5, 2018, 5:06 am

    Nice, Joe! You have a lot going for you. I like the simple spreadsheet format for your goals as well as the Sankey chart that you brought back.

    Jan/Feb/Mar are always good months for us because of stock plan vesting, bonus payouts and tax refunds.

    The big news up north recently was that Vanguard announced a set of “ETFs of ETFs” for “couch potato” investors. (They listed on the TSX on Feb 1.) One of my goals for Q1/Q2 is to review and update my asset allocation and fund selection, so these new options are well-timed!

    • retirebyforty February 5, 2018, 9:50 am

      Thanks! I like the Sankey chart too. It’s a nice visual.
      I’ll check Vanguard. Thanks for the tips.

  • Mr. TOC February 5, 2018, 5:55 am

    Way to go with the blog income! My blog is still so new google ads refuses my attempts to advertise on my site! But all the more reason to follow your advice and get more content out there during the early stages.

    Of course it’s not just your income that keeps you in the black. We are always working towards emulating your food budget. Keep up the good work, it’s motivation for the rest of us!

    • retirebyforty February 5, 2018, 9:51 am

      Thanks. Just keep adding more content. Everything will improve once you have more posts. Good luck!

  • Dave @ Married with Money February 5, 2018, 6:36 am

    Great month! The $100k will be a tough figure to hit but you’re already making some good progress. I’m sure you can do it!

    I’m curious to hear about your Iceland trip. A while back flights there were super cheap (no idea if they still are), so it’s interesting that everything else is so expensive. I guess when you have to import basically everything that’s not too surprising…

    Our January was good. Spent less than I’d budgeted which is always a pleasant surprise!

    • retirebyforty February 5, 2018, 9:51 am

      I think flights were cheap in the low seasons or when Iceland Air starts a new route. Summer is super expensive there.

  • Steve @ familyonfire.org February 5, 2018, 6:43 am

    Another great month. We were up about 3.5% as well so January has already fueled the year (dependent on any stock market drop)

  • Adam and Jane February 5, 2018, 6:55 am

    Joe, that is a great goal of 100K for online income! Soon it will exceed the salary of your stressful Intel job!


  • Smart Money And Travel February 5, 2018, 7:29 am

    Great January. Rising tides do lift all boats!

    What is the thinking behind joining Toastmasters, have you been thinking about it for a while?

    • retirebyforty February 5, 2018, 9:53 am

      Yes, I’ve been thinking about joining TM for a while. I need to improve my speaking and basic social skills. Interviews had been hard recently.

  • FromUSA February 5, 2018, 7:34 am

    I’ll sign up for new cards later …

    Which cards are you thinking signing up for?

    Any tips for us? 🙂

  • Lazy Man and Money February 5, 2018, 7:35 am

    I felt like we had similar months, especially the part about sick all the time.

    Have you thought about just using Mrs. RB40s salary divided by 12 instead of actually adding up the paychecks? This would help smooth the curve of income.

    • retirebyforty February 5, 2018, 9:55 am

      It’s easier to account the paychecks as they come in. I love those 3 paycheck months.

  • GYM February 5, 2018, 7:38 am

    Such an awesome month! Congrats! I wonder why traditionally blog income is usually higher in quarter one?

    I went to Iceland last year and loved it- it is so beautiful. Lots of scenery spots are free. We stayed in Airbnbs too. The only thing expensive was the food. We packed a suitcase of food (pasta, canned meat, pasta sauce in foil packages, cereal) to save on money. It helped a lot!

    We had a langoustine (looks like a mini lobster) sub sandwich and it was $20 US. Soup lobster bisque with one bread roll was $15 US.

    If you have any questions about Iceland just let me know!

    • retirebyforty February 5, 2018, 9:57 am

      Q1 is good because people make goals and think about finance more. Everyone takes the summer off to enjoy the nice weather and travel.
      I’ll PM you about Iceland. We’re going to drive the southern section of the ring road. Is there any must see places? Good idea with cereal. That will help a lot. Thanks.

      • GYM February 5, 2018, 10:42 am

        Oh yeah, the Blue Lagoon is a ‘must see’ but it was expensive and a bit underwhelming, but it’s still a must see haha 🙂

        There are some public pools that are thermal hot springs as well in Reykavjik suburb area and it was only $9 to go in if I recall correctly.

        We did the southern section of the ring road too. It kept us busy for the week that we were there.

        Also, a must try is Skyr yogurt, it’s DELICIOUS. The cheapest grocery store is the one with the Pig logo. It’s called Bonus.

  • mary w February 5, 2018, 10:11 am

    For european rental cars, try gemut.com or auto europe. Not sure if they operate in Iceland but they are great in France. You pay up front but have the ability to cancel at any time.

    Before you pay for extra insurance, check out what your credit card offers. CSR/CSP both have automatic primary insurance coverage. Also I think many (all?) travel focused cards cover primary overseas when your regular auto insurance doesn’t.
    Rick Steves has a good article on rental cars in europe. https://www.ricksteves.com/travel-tips/transportation/booking-a-car

    • retirebyforty February 5, 2018, 12:43 pm

      Thanks for the tips. I already booked through Europcar, but I think I can still cancel if needed. The problem is that we’ll fly into Egilsstaðir and fly back from Reykjavik. It will be a one way rental. We also need a bigger vehicle to fit 6 people. Most smaller outfits don’t have this option.
      I will check insurance. From what I read, most cards don’t cover Iceland. I will call to double check.

  • Revanche @ A Gai Shan Life February 5, 2018, 11:16 am

    We were healthy enough in January to start taking it for granted, we’re fighting off colds now 😛

    Surprisingly, a lot was financially in January but I’ve got a lot more to do this month: researching your bond fund suggestion for our emergency fund, talking over some investment opportunities with friends, and making decisions on our

    Happily (optimistically?) I decided that I was too conservative with our emergency fund requirements so that frees up some more cash for us to invest as well.

    Thanks for sharing the Sankey chart again, one of these days I’m going to try doing that too!

    • retirebyforty February 6, 2018, 8:43 am

      I read that bond price is high so it will drop as the interest rises. It’s probably still okay because investors will flock to bond if the stock market crash. Having some cash is a good thing.

  • DocG February 5, 2018, 11:30 am

    Wow. Really killing it again! The blog income is incredible. Keep it up!

  • Ms ZiYou February 5, 2018, 11:44 am

    A great update, as a newbie blogger, I’m frankly amazed at the blog income. Qudos to you!

  • [email protected] February 5, 2018, 11:59 am

    Another great month Joe, your passive income and blog income is amazing! Iceland is on my bucket list, hoping for 2020.

  • Angela @ Tread Lightly Retire Early February 5, 2018, 1:15 pm

    Oh I like the idea of an “opportunity fund.” There will always be new fun things to use that money for, but having a set amount makes sure you stay intentional about spending it.

    • retirebyforty February 6, 2018, 8:46 am

      The opportunity fund is just cash above our emergency fund. I hope to build it up a bit more so we can be ready for opportunities to invest this year.

  • Steve February 5, 2018, 3:28 pm

    Congrats on such a great month, even with the increase in expenses. What made you choose Iceland? I’m sure you’ll share your journey once you’re back, I’ll have to keep an eye out for it.

    • retirebyforty February 6, 2018, 8:49 am

      Mrs. RB40 wanted to visit Iceland and our friend also. I’m just going along. 🙂
      Iceland sounds really cool, though.

  • Mr. Need2Save February 5, 2018, 5:10 pm

    We sure like those 3-check months. We are going to increase our real estate crowdfunding (PeerStreet) in March when we both get 3 checks.

    Regarding Iceland, I wonder how much cheaper it is in early spring. I think I could handle the cold, but the lack of daylight in late winter and early spring would be tough to deal with.

    • retirebyforty February 6, 2018, 8:51 am

      Good luck with PeerStreet. I want to try them out too, but it will probably have to wait until next year.
      Early spring wouldn’t work for us especially with another family. I think lodging would be cheaper, but food and everything remain expensive.

  • Mr. Groovy February 5, 2018, 5:13 pm

    RB40! RB40! RB40! Why do I always want to jump out of my seat and start cheering whenever I read one of your financial updates? Eff athletic prowess. Financial acumen is where it’s at. I don’t want to see Tom Brady throw touchdown passes. I want see you depositing $2K a month in a college fund. Bravo, my friend.

    • retirebyforty February 6, 2018, 8:52 am

      Thanks for the encouragement! I appreciate it. $2k is about half of what we plan to invest this year. I’ll invest another $2k when the market is down a bit more. 🙂

  • Mr. Income Master February 5, 2018, 6:44 pm

    That Chinese Duck looks amazing. One of the best parts about Chinese new year.
    Hitting the $100k Blog income will be a great milestone, I hope you can achieve it.

  • Jennifer February 6, 2018, 7:57 am

    It looks like your January went well! I love how you break down your goals and leave room for fun in there. I am excited to hear about your Iceland trip! I have always wanted to go there.

  • 5to9_Living February 7, 2018, 9:15 am

    Great to see your year off to a good start, and a great read as usual. I will have to adopt a goal tracker of this sort as well. I have begun meticulously tracking my sleep and nutrition goals, but a holistic and high-level tracker like this would be beneficial.

    One question on your tracker. Your tax-advantaged accounts are counted toward your passive-income calculation. Is this in the form of dividends? Or is this a tax-advantaged account that you are withdrawing from and converting to another type of account? Just curious what the methodology being applied is to leverage this account for passive and accessible income, assuming it has restrictions on when it could be accessed. Maybe my assumption is wrong but would love to learn more on this.

    • retirebyforty February 7, 2018, 10:08 am

      Yes, I count tax-advantaged accounts in my passive income. The income is dividends and it is reinvested right away. Once Mrs. RB40 retires, then I will probably do some Roth conversion. I can move the money from 401k into Roth, then withdraw from the Roth account without paying penalty. You can read more details here.

  • Katherine February 7, 2018, 9:43 am

    You asked how was my January. In January, I had the highest blog views out of the past 4 months that I’ve started blogging. I’m doing really well with keeping to 3 blog post a week! I’ve also started an instagram account to help spread the words about my blog. At the same time, January was also the month that I had the highest credit card bill since the day I had my very first credit card. Maybe it’s just a sign of growing up…

  • Financial Orchid February 8, 2018, 5:32 pm

    True optimization is a lean budget with balanced, nutritious and delicious food like yours. YUM. Were you always such an awesome chef, or refined skills after working from home?

    Here’s my January numbers. I did a sankey graph too. It’s a lot simpler for solo. I’ll need to add a spouse income down the road 😉

  • Dividend Income Stocks February 14, 2018, 6:49 am

    That’s a great way to start the year! Your grocery bill is impressive. In Quebec, we usually spend around $650 on groceries and all the cooking is done at home. A lot of photographers fly to Iceland to capture the beautiful green sky. So that should be a great experience for you to see and enjoy!

    Take care!

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