Friday, August 18, 2017

Addicted to Love

While it may seem silly, I think that I am addicted to savings.  That's my love.  I love to save money by buying groceries rather than eating out so that I can free up money to invest (automatically every 2 weeks) into my investments index funds accounts.  I do splurge on luxuries, such as Olive Garden, with my girlfriend, children, siblings or work colleagues occasionally.  Has anyone felt like me...addicted to saving money for a better tomorrow?  If you're ever find yourself identifying with how I am feeling, you probably like me that you hear that catchy tune in your head from Robert Palmer ("Addicted to Love"):

Your lights are on, but you're not home
Your mind is not your own
Your heart sweats, your body shakes
Another kiss is what it takes
You can't sleep, you can't eat
There's no doubt, you're in deep
Your throat is tight, you can't breathe
Another kiss is all you need
Whoa, you like to think that you're immune to the stuff, oh yeah
It's closer to the truth to say you can't get enough
You know you're gonna have to face it, you're addicted to love
You see the signs, but you can't read
You're running at a different speed
Your heart beats in double time
Another kiss and you'll be mine, a one track mind
You can't be saved
Oblivion is all you crave
If there's some left for you
You don't mind if you do

Tuesday, August 15, 2017

Our Family

no pain, no gain

no pain, no gain:  as per the Dictionary means...suffering is necessary in order to achieve something.  I find that frugality is a necessary suffering in the present so that the future is full of freedom, progress and success.  We must flex our "frugality muscles" daily.  Each workout (spending: consumption must be wise).  The pain of today will be the pleasure of tomorrow.


All the best,

Wednesday, August 9, 2017


Playing outdoors in the dirt, on the street or by the nearby Church Yard or park is voted in my book as my fondest childhood memories  My neighborhood friends and I played "Man Search", football, stickball,  and even had fist fights.  I must admit that the happiest memories was when I was a kid. was FREE!  My family still calls me "Pig-Pen" as this was my look as I was rolling through the grass.  "Pig-Pen" is a character from the comic strip Peanuts by Charles Schulz.

He is definitely me:

* Young
* Dirty
* Happy

As I am 7 years away from FI, I am trying now to enjoy my frugality.  The frugality is still fun in many ways.  I go to the park with my son and we run under the oak trees and up and down the hills.  We bring cold Gatorade from home.  When we get hungry, we have a simple meal at Publix (a grocery store chain).  I really want to live a more affluent life later (delayed gratification).  Our lives are filled with consumption.  In the not too distant future....when I'm more affluent, I hope that my interests (which includes cycling) is still part of my FI DNA.

All the best,

Tuesday, August 1, 2017

Red pill and blue pill

In the movie The Matrix, Neo (the main character) is given a choice from Morpheus to take 1 of 2 pills.  Take the red pill & it allows Neo to escape the Matrix (a fantasy world) into the real world.  I find that I live in the Matrix everyday.  It surrounds me at home & work.  My family - sister, brothers, sons & even my work colleagues all spend their money in the present.  There is little or no delayed gratification.  I become "evangelical" on being frugal to all of them yet they don't listen.  They rather live in the Matrix (big house, travel, SUVs, eating out, cable, internet).  I cut my cable & internet from home last year and those who I love the most thought that I had cut off my arm.  I try to let them know that I'm more comfortable socking away those extra $$ into my beloved 401k.  Even Trinity (my girlfriend which Trinity isn't her real name) doesn't understand me.  My colleagues think that I have 2 heads if I tell them that I would rather eat my sandwich in the break-room rather than to go out to lunch and spend $15 bucks.  So, I compromise & go out with them on Fridays.  They are beyond happy when I attend.

I started my journey to financial independence really back on 2010 & have 7 years to go for Early Retirement.  Turns out that the only other "Neo's" out there are online.  I listened to a PODCAST from the Mad Fientist whereas the Military Guy in Camp Mustache advised that you can't turn people onto your type of frugality.  Only when you set the example, they will listen.  Saving money is important to me.  I just wish I had like-minded frugal people around me. My community still takes the blue pill everyday.  The red pill for me is a choice to be in need to avoid debt, save & invest in Index funds so that you have:

1) Peace of mind
2) Your not a slave to a job (trade your precious time for a wage)
3) Have F-U money
4) Have choices, have freedom when you have enough to live on

Thanks & best regards,

Monday, July 31, 2017

July 2017 Financials


Nevada Smith here.  It's been awhile because I had a death in the family.  I also attempted to do an awards - points credit card to gain awards; however, this really didn't work out for me (when it rains it pours).  So today I have a budget and 2 debit cards:

1) Debit for needs
2) Debit for wants

I'm back and ready to tackle FIRE once again.  I dipped from $165K back in late Feb, and now today (almost Aug 2017) I sit at $175K.   All the best, Nevada

Thursday, January 19, 2017

Reinvent The Wheel

There was a time, after my divorce, where it was a Wed night (my night to pick up the kids, feed them dinner, shower them, tell them a bed time story & after breakfast - the next morning - take them to school).  Dinner was Taco Bell (I know, I know).  But, when you're on a budget you do what you have to do.  My 2004 Toyota's battery went dead.  I tried to jump it when a nice attractive woman offered to help (Good timing).  The cable caught fire and yet I still managed to muster the strength to check her out with my elevator eyes (I was divorced & hadn't met my GFRIEND yet).

Here I was:
  • sweaty
  • with 3 kids (my eldest had a friend by his side so I now had to take care of another bambino)
  • and a lifeline to call (mmmm.....who to call?)
...I called my ex-wife b/c she had just left 10 min ago.  Mistake numero uno!
...I unloaded all 3 kids unto her and asked if she could take me to a Car Rental.  Mistake dos!

I can't tell you the helpless feeling you have being w/o wheels (and, very little money or credit to bail you out).

Thankfully today, I have a lot of credit, an emergency fund, a paid home and a beautiful girlfriend that I am with because she is super sexy  & has my back.

After I returned the car rental a few days later.  I took a taxi to work.  He gave me a tip:
  1. He always bought USED tires for his taxi & paid $30 per tire instead of new ones @ $130
Today, I have reinvented myself and reinvented the wheel.  I don't use up a great deal of time nor effort to find them (just go to a "sketchy" part of town & you'll see used tires for sale).  Evidently, they come from up north (e.g. Pennsylvania).  The tire threads are almost new.  Some are snow tires. I've bought Pirelli, Michelin, Goodyear etc many times.  

All the best,