Our Financial Path.

Start Saving, Investing and Reach Financial Freedom.

Open Book – Are we Crazy?!

This is part of our Open Book series, you can start here if you did not read our first post.

 

Winter is coming and it has been a while since our last Open Book series. We try to be as accurate and transparent as possible to give you a proper idea of our finances. We attribute most of our success our high savings rate and constant tracking of our progression with tools such as Mint or Personal Capital.
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Why Travel

Traveling is amazing.

Whether you are driving across the country in a van or flying across the Atlantic to explore Europe, trips will make you grow, they will show you the cultures of this world, they make you a better person.

According to a study published in the Hostelworld Global Traveler Report, travel-hungry British traveled on average, to 10 countries, Germans have seen 8, and the French traveled through 5 countries on average.
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Debt Success Stories

Feeling trapped is exhausting, it can drag you down. Keep you in a slump. Once you get out of that slump, once you are free, you can finally live again.

You might feel dragged down by your student loans, car loan, or maybe you went a bit over your means with that credit card and now, you simply do not know how to get out of it.
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Spend Less, Live More

Since we started saving over half our income, our budget has slightly changed. We now shop less, eat out less, buy less, but that’s all good things!

We buy a lot less stuff, but we value experiences a lot more anyways. We still travel a lot, eat out in amazing restaurants, and do fun activities… We just spend way less time at the mall.
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Can you do Better?

Finding a good job is hard. Finding the perfect job is even harder. As part of our Better Self series, I am asking myself if there might be something better out there to not only grow in my career but as a person.

Although I recently changed positions 8 months ago, it was a lateral move. Work is now closer to home, which is great, but there is so much more out there… Sometimes I just wonder how it would be to change careers altogether.
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Blogger Recognition Award

I would like to start by thanking  The Financial Journeyman for nominating me for the Blogger Recognition Award.  We have been blogging for a while now and this recognition is a big deal to us.  With all the personal finance and early retirement blogs out there, it is a true honor see you took the time to read ours and to get a bit of recognition.
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Better Self – Start Living Now

As part of our new Better Self series, I am committing to reading a book-a-week. This week, I was reading the Art of War from Steven Pressfield. It describes how we can avoid the roadblocks of any creative endeavor and how Resistance is the root of all procrastination, hesitation, and laziness. It is a great book and I highly recommend it.
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Really? Do I Need Bonds?

When you are buying equities, or stocks, you are buying part of ownership in a company. The price of stocks greatly varies and is affected by a lot of factors but in broad terms, the price is determined by the potential future earnings. If a company is seen by investors to have great earning potential, they will be ready to pay more to get a piece of the action than if a company is showing meager prospects.
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Frugal, Not Cheap Challenge

In our journey to financial freedom, we face a dilemma. To reach our goals, the math does not lie; we need to either reduce our spending, or increase our income, or both!

We try to increase our income with constant self-improvement and career development. For example, I studied a lot while working full time to pass new reglementary exams which got me sweet promotions and, most recently, got a 15% raise by switching companies.
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We are Joining the Million Dollar Club

Roughly a year ago (August 10th 2016) we decided to join J.Money‘s Million Dollar Club.  The purpose of the club is to commit to a list of habits and a plan to bring you to the first million. Since your chances of success increase dramatically when you surround yourself with like-minded people, we decided to join the challenge. This is the updated version of our pledge to the Million Dollar Journey!
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