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Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Smart Spending

Sorting Through the Nutritional Noise

February 20, 2020 by Mr. Heartland on FIRE

Confused about what constitutes good nutrition? Yeah, me too. My wife and I have been interested in eating healthier and have been reading articles and watching documentaries. In our search to find a consensus, we found there isn’t one. In fact, the more we looked into it, the more questions we had. So I wanted to summarize what we’ve learned and how we’ve tried to piece together a diet.

[Read more…] about Sorting Through the Nutritional Noise

Filed Under: Lifestyle Improvement, Smart Spending Tagged With: Personal Finance; nutrition; Choosing a Diet

Our 2019 Personal Finance Scorecard and 2020 Money Goals

January 23, 2020 by Mr. Heartland on FIRE

If it’s January, then it must be time to check on our previous year’s savings goals and set new ones. There was a lot going on last year. Through it all did we remain on target or did we miss the mark?

[Read more…] about Our 2019 Personal Finance Scorecard and 2020 Money Goals

Filed Under: Annual Planning, Cost Cutting, DIY, Savings, Smart Spending Tagged With: financial goals, Financial Independence, passive income, personal finance, Savings

Our 2019 Spending: Exposed!

January 16, 2020 by Mr. Heartland on FIRE

2019 is in the books. As always, I like to look back on the year that was, and take stock of our spending. Anyways, for better or worse here is what happened.

[Read more…] about Our 2019 Spending: Exposed!

Filed Under: Annual Planning, Cost Cutting, FI Progress, Smart Spending Tagged With: burn rate, financial indpendence, personal finance

Cash or Finance – How Should I Buy Rental Property?

November 21, 2019 by Mr. Heartland on FIRE

I have an infatuation with real estate. I love researching and working on houses. As part of this interest, rental real estate is something I want to incorporate into our investment strategy. We currently have one rental property, which is the first home I bought and just never sold. But I want more. The “relatively passive” income from real estate is very appealing. The sooner we can get the rental snowball rolling the better the benefits will be.

I’ve been debating whether we should purchase the next one with all cash or by financing. I figured I might as well put my thought process out on the blog for transparency.

[Read more…] about Cash or Finance – How Should I Buy Rental Property?

Filed Under: Annual Planning, DIY, FI Progress, Retirement, Smart Spending, Uncategorized Tagged With: Buying with Cash or Finance, Real Estate Analysis, Real Estate Investment

How We are Teaching Our Kids to Be the Millionaires Next Door

October 24, 2019 by Mr. Heartland on FIRE

Financial responsibility is a trait that can be taught from an early age. Setting positive examples is critical to help your children begin to develop a mindset of financial responsibility that can set them up for life.

[Read more…] about How We are Teaching Our Kids to Be the Millionaires Next Door

Filed Under: DIY, FI Progress, Lifestyle Improvement, Savings, Smart Spending, Uncategorized Tagged With: financial education, Financial Independence, good money habits, teaching kids money

Which Rewards Credit Card is Right for Me?

September 12, 2019 by Mr. Heartland on FIRE

Napa vines courtesy of travel rewards!

Credit card rewards are a great way to travel the world at a discount or earn cash back from your normal spending habits. While it’s nice to earn points or miles as you spend, the largest benefit comes from card sign up bonuses. My wife and I both met our bonuses on our Chase Sapphire cards earlier this year and now I am on the hunt for a new card. Read along if you are interested in getting inside my head while I evaluate the options.

[Read more…] about Which Rewards Credit Card is Right for Me?

Filed Under: Annual Planning, Smart Spending, Uncategorized Tagged With: Credit Card Rewards, How to Choose a Credit Card, Travel Rewards

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