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Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Lifestyle Improvement

Our Salaries: What Are They Really Worth?

July 26, 2018 by Mr. Heartland on FIRE

A couple weeks back I posted about how to determine your actual hourly wage to factor in the various benefits, costs, and actual time associated with your job.  So this week I thought it would be worthwhile to show how we ran the numbers for our own income. [Read more…] about Our Salaries: What Are They Really Worth?

Filed Under: Lifestyle Improvement Tagged With: 401k employer match, Hidden job costs, How much am I paid, How much do we make, The 76k Project, the true cost of a job

How Much Are You Really Paid? 10 Items You Must Consider

July 11, 2018 by Mr. Heartland on FIRE

The vast majority of us go to work each day and trade our time for money.  As we are weighing job offers we tend to get a laser focus on the listed salary or hourly wage.  But you need to look past that shiny salary number to figure out the true wage being offered.  After all, every hour you are doing job-related things is one less hour you have to live your life.  Here are 10 things you need to account for to determine the actual wage you are being offered.

[Read more…] about How Much Are You Really Paid? 10 Items You Must Consider

Filed Under: Lifestyle Improvement, Retirement Tagged With: Actual Earnings, comparing job offers, hidden costs of a job, How much am I paid, the true cost of a job

Meal Planning for Your Body and Budget

June 28, 2018 by Mr. Heartland on FIRE

Last year we paid down over $56,000 in debt.  One of the biggest areas of savings for us was reducing our spending on food.  So, what did we do, just eat rice and beans?

Nope.

If anything, we ate higher quality food than the previous year.  Meal planning made it possible to slash spending without sacrificing flavor.

[Read more…] about Meal Planning for Your Body and Budget

Filed Under: Cost Cutting, Lifestyle Improvement, Savings, Smart Spending Tagged With: Avoiding fast food, eating healthy, eating on a budget, Meal planning, meal prep, portion control, Saving money on groceries

5 Ways to Save this Summer!

June 21, 2018 by Mr. Heartland on FIRE

Summer is here!  The pools are filled, the sunscreen is out, the tomatoes are turning red, and the solstice is upon us!

Whoa, maybe I went a bit far there…

Besides Summer being a great time to have fun in the sun, there are some unique opportunities for savings.  Here’s 5…

[Read more…] about 5 Ways to Save this Summer!

Filed Under: Lifestyle Improvement, Savings, Smart Spending Tagged With: cheap vacations, Energy Savings, grilling, lawn mower, Summer savings, things to do with kids near me, vegetable garden

Beware the Top Shelf Trap

June 14, 2018 by Mr. Heartland on FIRE

Variety is the spice of life..  I strongly support trying new things.  However, as we grow in our experiences, it can be easy to fall into the Top Shelf Trap. [Read more…] about Beware the Top Shelf Trap

Filed Under: Lifestyle Improvement Tagged With: Beer Snob, Hedonic Adaptation, The Finer Things, Top Shelf

Yard Work: 5 Reasons I Do My Own

April 20, 2018 by Mr. Heartland on FIRE

“I love yard work!” – said almost nobody ever.

You come home from work, beat from the day, then you gotta run right back out and tackle the yard.  It’s hot, sweaty, dusty, and tiring.  And then you gotta do it every week for months on end.  Who the hell likes that?

***slowly raises my hand*** [Read more…] about Yard Work: 5 Reasons I Do My Own

Filed Under: Cost Cutting, DIY, Lifestyle Improvement, Savings Tagged With: appreciate what you have, free gym membership, lifestyle optimization, saving money, Yard work

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