One of the initial steps towards financial independence is to build your emergency fund. The concept is simple: you set aside enough liquid assets for the surprises of life. Calling it an emergency fund attempts to shield you from spending it frivolously by assigning it a purpose. Most often these life surprises are events like job loss, major auto repairs or urgent health expenses.
I think libraries are cool. I try to make use of libraries in my area and even enjoy visiting them on vacations. Something about a room full of books just makes you feel good inside (and smart!). But, I know plenty of people who love reading and are lifelong learners, but NEVER use these incredible institutions. Frankly, I find it quite puzzling and hope that after reading this post you become a library lover too!
Quite a bit different for this monthly expense report compared to the last, but two good months in a row. Let’s dig into the numbers first and then follow up with a brief discussion. Just like last month this is only my spending and no one else in the household. Current target is under $1800 per month.
I wanted to get this January update out before the middle of February rolled around, so I wouldn’t miss the beginning of the calendar year. What you will find below is my complete monthly expense report which I sorted from biggest to smallest, counting every cent spent. Well, maybe not exactly every cent as I did round to the nearest multiple of $5 for readability.
Like most kids, I understood the concept of money. Money got me toys. Money got me candy. Money got me into a movie. At a certain age I was able to start doing chores around the house to earn myself an allowance. Like all kids, every quarter seemed like a treasure and every penny worth stopping to pick up.
Hi, and thank you for stopping by zencents.com! This post had been edited over the months to strengthen the message I was attempting to convey. I hope you enjoy it – and would love to hear your feedback in the comments.
Let’s Take a Walk
A short distance up the street is a pint-sized wooded park between a few quiet neighborhoods. An almost invisible, narrow path weaves its way around the trees and granite outcroppings, making for a decent loop when I feel the urge to get outdoors. This is the path I most frequent when going solo with my pup for a stroll. I find 2-3 loops leaves me feeling at ease.