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Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Smart Spending

Our Money Missteps: The Lost Decade

October 11, 2018 by Mr. Heartland on FIRE

Pawel Janiak
As a personal finance blogger, specifically an advocate of the Financial Independence Retire Early (FIRE) movement, you might assume that the Heartland on FIRE family has a spotless past when it comes to money decisions.  You might think we’ve rarely, if ever, paid interest on credit cards, purchased only used cars, and made flawless house purchasing decisions.  I mean, if you look at our net worth progress, we are in better shape than many (most?) families in their early- to mid thirties.

You would be sorely mistaken

In this post, I am going to air out our dirty money laundry.  To come clean, as it were.  To demonstrate how, even after stacking poor decision on top of poor decision (FOR OVER A DECADE!!) you can still find yourself on the path to FIRE.

[Read more…] about Our Money Missteps: The Lost Decade

Filed Under: Debt Reduction, Savings, Smart Spending Tagged With: Bad Money Decisions; Financial Mistakes; Financial Mismanagement; Dumb Money Decisions, Financial Independence

Net Worth Update 9: Paul Bunyan Edition

September 6, 2018 by Mr. Heartland on FIRE

August came and August went.  And with it, I now have a child in Kindergarten!  What a mind job!  While I begin to adjust to yet another reminder that I am getting old, let’s take a step back and dissect the month that was.

[Read more…] about Net Worth Update 9: Paul Bunyan Edition

Filed Under: FI Progress, Savings, Smart Spending Tagged With: 401k contibutions, cash flow budget, first time school parent, short term savings strategies

5 Keys to Making Restaurant Quality BBQ at Home

August 16, 2018 by Mr. Heartland on FIRE

I love Barbecue.  I can’t get enough of it.  The heat of the coals, the wisp of thin white smoke lazily rising from the smoker, the hint of smoke wood-tinged air, and of course the mahogany-colored meat itself! A great a plate of ribs makes Daddy happy!

The problem is, a plate of good “Que”, can stick you with a sizable tab if you always get it at a restaurant.  But it doesn’t have to be that way!

[Read more…] about 5 Keys to Making Restaurant Quality BBQ at Home

Filed Under: Cost Cutting, DIY, Lifestyle Improvement, Smart Spending Tagged With: Amazing Ribs, BBQ on a budget, Bogart's BBQ, Cheap BBQ, Financial Independence, Great BBQ at home, how to make great ribs, lifestyle optimization, Pappy's BBQ, Sugarfire, The Virtual Weber Bullet

2018 Spending – Mid Year Checkup

July 19, 2018 by Mr. Heartland on FIRE

We’ve reached the halfway point of 2018 and I thought it would informative to check in on our monthly spending thus far. [Read more…] about 2018 Spending – Mid Year Checkup

Filed Under: Annual Planning, Cost Cutting, Smart Spending Tagged With: Budget, Efficient Transportation, Financial Independence, How much to retire, Monthly spending, Weather Stripping Savings

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

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