Welcome to our blog!
Ok, so you are either here because you want to learn something to help better yourself, or you just want to spy on us. Either way, we are glad you are here!
I have never designed a website or a blog, so I am learning as I go…so if something doesn’t work right or looks funny, let me know and I’ll try to fix it. Ha ha.
Disclaimer: Personal finance is different for everyone, hence “personal.” This is our plan, our path to financial freedom, our investment plan according to our goals. It will not suit everyone who reads this blog. Please make your own decisions and invest wisely.
Let’s face it, personal finance is boring, taboo to talk about, and to be honest most of us really suck at it. All you need to do is look at some of the national statistics on savings rates, debt levels, average retirement account balances to see that most people operate their balance sheets like they are the government. Hint: Not Good.
We are tired of being normal…having credit card payments, student loan payments, car payments, very little savings, buying worthless junk because we think we “need” it, living paycheck to paycheck, and destined to spend more time at a job instead of with family and really living. No, thanks. We have a plan to win back our time…FREEDOM…and it will all be documented here for you to follow along. Be nice, please!
I have no “get-rich-quick scheme” to sell you, but I do have some common sense tips and knowledge that I have picked up over the years. I’m willing to share with you, if you are willing to listen (or read). Our journey will be long and difficult and will take a huge amount of discipline, but it will pale in comparison to what we would face without planning and taking action now.
I started building a stock portfolio in April 2015. I designed it around the income it will produce when we get to our freedom (retirement) date. The income it produces will be the most important aspect…not the account balance. Something happened a few months ago when we started writing down and tracking all of our expenses: we noticed a huge chunk every month was flying out the window in payments. If I could simply redirect those payments into our stock fund, instead of making other people rich our dream of financial independence will be closer in sight.
There is a wise saying, “if you do the same thing you have always done, then you will get the same results you have always gotten.” We are making changes, and I hope I can inspire you to make some as well.
If you want to know more about my background then check out my About Me page. All of our monthly dividend income reports will be tracked and posted on the Dividend Income page. Our expenses and budgets will be tracked Here. And my entire portfolio will be available for viewing here.