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Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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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

Our DIY Spare Bathroom Remodel, Part I

November 29, 2018 by Mr. Heartland on FIRE

I don’t know about you, but we are addicted to home renovation shows.  One of the shows we particularly like is “Renovation Realities.” Basically, the show’s premise is to follow around people as they take on a renovation project.  Usually, hilarity ensues as the couple struggles through the project.  Wires are shorted, windows broken, spirits (and sometimes fingers) are crushed, and budgets are vaporized.

Well, it’s our turn in the spotlight now.  We’ve just kicked off a renovation of our kiddo’s bathroom.  We are self-performing all of the work.  Keep reading to follow along on our trials, tribulations, victories and setbacks.   [Read more…] about Our DIY Spare Bathroom Remodel, Part I

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

Thank You Notes from the Heart(land)

November 22, 2018 by Mr. Heartland on FIRE

Happy Thanksgiving!!

A year ago today, this blog did not exist.  November marks the end of my first year of blogging on this site.  It’s been a hell of a journey so far and I can’t wait to see where this whole thing goes.  So, to get into the Thanksgiving spirit, I thought it would be help to write out a list of Thank You notes for those that are responsible for the existence of this blog.

***Cracks Knuckles***

***Piano Softly Plays***

[Read more…] about Thank You Notes from the Heart(land)

Filed Under: FI Progress, Lifestyle Improvement, Uncategorized Tagged With: 1500 Days to Freedom, A Simple Path to Wealth, Dave Ramsey, Financial Samurai, Giving thanks, j.l. collins, Mr. Money Mustache

Patience is the Smoldering Heart of the FIRE

November 15, 2018 by Mr. Heartland on FIRE

The flames of the FIRE (Financial Independence Retire Early) movement can spread rapidly.  Just like a campfire stacked with kindling, the flames are tall, flickering, and bright at first, but over time, these flames subside leaving the dull glow of smoldering coals.

But you don’t cook on the flickering flames.  This short blast of high heat would scorch the outside, leaving the inside raw.  You do your cooking on the coals,  sustaining just the right level of heat over a longer time.

Having an open mind, self evaluation, and taking bold action are critical to igniting the FIRE and the bright dancing flames of the initial burn.

Patience is the Smoldering Heart of the FIRE [Read more…] about Patience is the Smoldering Heart of the FIRE

Filed Under: FI Progress, Lifestyle Improvement, Uncategorized Tagged With: FI number, Financial Independence, Financial Independence Retire Early, FIRE, FIRE skills, Goal Setting, The Path to FIRE

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