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Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Archives for December 2018

Living Below your Means: What Does it REALLY Mean?

December 27, 2018 by Mr. Heartland on FIRE

We recently had a conversation with another couple. During the discussion they mentioned that they only contributed enough to their 401k accounts to get their employer match. They maintain that they do not earn enough to max out their 401k contributions. Now that sounds like a fairly typical argument; however, from past conversations we learned this couple has an annual income over $250,000 per year! How crazy is that!

Maxing out 401k contributions would amount to less than 15% of this couple’s income. This conversation really underscored the point: Most of Us Do Not Live Below Our Means

[Read more…] about Living Below your Means: What Does it REALLY Mean?

Filed Under: FI Progress, Retirement, Savings Tagged With: Living Below your means, Mr. Money Mustache, Savings rate, Signs of living at or beyond your means, The Shockingly Simple Math Behind Early Retirement

Company Christmas Club: Is It Worth It?

December 20, 2018 by Mr. Heartland on FIRE

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An email circulated through my office the other day.  It read: “Christmas Club contributions will be included on the next pay period.”  The email then reminded everyone that enrollment into next year’s Christmas Club had just opened up.  

It got me to thinking… is the Christmas Club worth it?

[Read more…] about Company Christmas Club: Is It Worth It?

Filed Under: Annual Planning, Cost Cutting, Debt Reduction, Savings, Smart Spending, Uncategorized Tagged With: Americans don't save money, Certificates of Deposit, Christmas Club Savings, Christmas Spending., How to Save for Christmas, Nerd Wallet, Reducing Christmas Spending

Our DIY Spare Bathroom Renovation, Part II

December 13, 2018 by Mr. Heartland on FIRE

After 3 weeks our spare bathroom renovation is complete.  There was a lot of blood, sweat, and tears involved.  How did it turn out?  Did we blow our budget?  Am I still married to Mrs. Heartland on FIRE?   Read on for the details…

[Read more…] about Our DIY Spare Bathroom Renovation, Part II

Filed Under: DIY Tagged With: Bathroom Renovation, DIY, Remodeling, Renovation on a Budget

Net Worth Update 12: Gluttony & Punishment

December 6, 2018 by Mr. Heartland on FIRE

November is done and gone, and the Thanksgiving left-overs are finally gone with it.  I’ll be trying to burn off that weight for the next few months!  Did our net worth grow as much as my waistline?
[Read more…] about Net Worth Update 12: Gluttony & Punishment

Filed Under: FI Progress, Savings, Uncategorized Tagged With: Bathroom Renovation, diminished value claim, FI progress, Net Worth, Portfolio Growth

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