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Heartland on FIRE

Blazing a Trail Towards Financial Independence

Blazing a Trail Towards Financial Independence

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Keeping Up With the Anti-Joneses

August 9, 2018 by Mr. Heartland on FIRE

We’ve all heard the phrase “Keeping up with the Joneses”.  That is the arms race of measuring one’s worth by comparing one’s possessions and status with one’s peers.  It means acquiring the biggest, the best, the newest, and the most expensive things.  You look down the street and see the family with the new car and you set your sights to figuring out how you can buy one yourself.   A friend gets a new job or promotion and you feel the pressure to improve your own career standing.  You have to be the first among your friends to buy the newest iPhone model.  It is an insatiable pursuit of more and better.  If you look around, it appears that we are surrounded by the Joneses.  Do we have to keep up with the Joneses?  Is there another way?

[Read more…] about Keeping Up With the Anti-Joneses

Filed Under: Lifestyle Improvement Tagged With: Financial Independence, FIRE, Keeping up with the Joneses, lifestyle optimization, Rockstar Finance, The Anti-Joneses

Progress Update 8: A Blind Squirrel Finds a Nut and Changes Abound

August 2, 2018 by Mr. Heartland on FIRE

July wasn’t messing around.  It was a month of changes in a number of areas.  Let’s just call it financially dynamic.  Join me as I unpack the happenings from the month that was and come see how the Heartland on FIRE household fared in July.

[Read more…] about Progress Update 8: A Blind Squirrel Finds a Nut and Changes Abound

Filed Under: FI Progress Tagged With: 401k contibutions, blog traffic, Net Worth, Portfolio Growth, Rockstar Finance, Vanguard

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

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

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

Progress Update 7: Back to Zero

July 5, 2018 by Mr. Heartland on FIRE

Just like that, half the year is gone!  Triple digit heat indices are once again the norm and the garden is bursting with veggies.  So, how did things shake out for the Heartland on FIRE household in June?

[Read more…] about Progress Update 7: Back to Zero

Filed Under: Debt Reduction, FI Progress, Savings Tagged With: FI progress, Financial Independence, Investment Strategy, Net Worth, Paying off car, Portfolio Growth, Switching insurance companies, Vanguard ETF Commissions. Edward Jones

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