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October Spending

It is the middle of November, and I am just now posting our October spending. The election occupied all my discretionary time-to-think, and I just didn’t have the bandwidth to compute our numbers for October. But I am quite happy with the final results, and now I can get back to managing the household budget:0) … Continue reading “October Spending”

Homemade “Meat”, “Cheese”, and Bread and how much do they cost

I just finished eating a delicious “meat” and “cheese” sandwich on homemade bread and I thought I should share some amazingly easy recipes together with a comparison of the cost to make them at home verses buying equivalent products. Although the savings are significant, I mostly cook because I enjoy the magic of creating food … Continue reading “Homemade “Meat”, “Cheese”, and Bread and how much do they cost”

Money and Kids

Is College worth it?

My wife and I both have PhDs, and we both work in education, so it is safe to say we deeply value education. I have also been a faculty member at a large state university for the last 15 years, and I have seen many students come in, take some classes, and then drop-out for … Continue reading “Is College worth it?”

Spending Reports

Our August Spending

Well, it is possible that writing this blog is good for our budget. I have been keeping track of how much we spend for several years now and this is our lowest spending month in recorded history! Which shows that way too much of our spending is really discretionary. Our average monthly spending for 2019 … Continue reading “Our August Spending”

No-Snacks September

As we noticed in our annual budget analysis, our family spends way more money on food than most households. That got me thinking if we are optimizing our happiness profits within this part of our budget which lead to me going over all of our food receipts from the past two months. We have been … Continue reading “No-Snacks September”

Happiness Profits

Does money buy Happiness?

According to an often-quoted study, satisfaction with life tops off at an income of $75K. That is barely over the average US household income of about $65K. Yet, most of us believe we would be happier if we had more money. So what is going on? As you make more money optimizing the happiness profit … Continue readingDoes money buy Happiness?

Bullshit jobs

RIP  David Graeber Many people hate their jobs, and David Graeber, an anthropology professor at the London School of Economics, told us why. David Graeber died today, so in his honor, let’s review the five types of bullshit jobs. Flunkies serve to make their superiors feel important, e.g., receptionists, administrative assistants, and door attendants. Goons … Continue reading “Bullshit jobs”

FIRE

For the novice, FIRE stands for Financial Independence Retire Early. Followers of this movement often save 50%-80% of their income to accumulate enough invested capital to be able to retire early (sometimes as early as in their 30s) and live entirely on passive income. If you hang out in the FIRE circles, you will hear … Continue reading “FIRE”

Investing

FIRE

For the novice, FIRE stands for Financial Independence Retire Early. Followers of this movement often save 50%-80% of their income to accumulate enough invested capital to be able to retire early (sometimes as early as in their 30s) and live entirely on passive income. If you hang out in the FIRE circles, you will hear … Continue reading “FIRE”


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