I Dream of FIRE

In pursuit of financial independence and personal fulfillment

Month: June 2017 (page 1 of 2)

Dreamcatcher: Posts and podcasts that inspired me this week

Wow, there were so many awesome things to read and listen to this week. It was hard to narrow it down, but here are some things you should definitely check out! Continue reading

The cable company lured me back into its evil grip

I was one of those guys who got the top-tier cable package with something like 800 channels, three premium services, and a DVR with more hard drive capacity than my computer. Continue reading

What costs more: College or daycare? (Trick question)

Can you afford to cash flow a typical state college education today? No 529s, no loans, no grants, no scholarships. Can you afford to send a child to full-time day care?

Your answer should be the same for both. Continue reading

Dreamcatcher: Posts and podcasts that inspired me this week

There were a bunch of great posts and podcasts that got me thinking this week! Here are some of the best: Continue reading

 The homeless man’s gift

The lanky, semi-disheveled guy sifting through the Dumpster caught my eye. “Hey man, don’t suppose you could help me out?” he said half-heartedly. We talked for maybe 10 seconds while I pulled out my wallet and gave him $2.

What he did next truly surprised me.

Continue reading

To repair or replace an aging air conditioner

A broken air conditioner is like a medical emergency: unexpected, urgent and costly. If your air conditioner is older, you’ve got a tough decision: to repair or replace. Unfortunately, I just went through this.
Continue reading

Dreamcatcher: Posts and podcasts that inspired me this week

I read and listen to a lot of personal finance (and not-so-personal-finance) content. I’m always amazed at the great work there! Here are some of the posts and podcasts that caught my attention this week. Continue reading

Budget for future expenses with the digital envelope system

The most powerful budgeting tool I’ve found is really the simplest one: A spreadsheet to not only track my expenses, but to project them into the future. Continue reading

The hidden cost of “free puppies”

The girl screams from the back seat. “Daaaaad, look. Puppies! Can I pet them?” The father pulls into the strip mall parking lot where a large metal cage rests on the lush green parking strip. The car door opens and the girl dashes to the cage.

“May I pet your puppies?” she asks the woman sitting in an old lawn chair next to the six Labrador retriever pups. “Sure sweetie, if it’s OK with your dad,” she responds.

He nods in approval, and the woman unlatches one door, pulls out an adorable puppy and hands in to the girl. For 10 minutes the father watches his daughter roll around as the pup licks her face and dances playfully around her legs.

“Our dog had this litter and we just don’t have the room to take care of them,” the woman confides in the father. “I could take them to the pound, but I’d much rather see them go to a good home.”

She glances at the father watching his little girl, now smitten with the tiny puppy. “She sure does seem to love that one. If she wants to take it home, it’s yours. They’re free.” Continue reading

No one is looking out for your money but you

I had a guy. At least, on paper I had a guy. That’s what you need, right? A financial advisor. Money gets taken out of your account every month, goes into the money-making market machine in the way your guy determined was best for you and BOOM, one day you can retire. Living the new American Dream. I probably should have put some emphasis on “Dream.”

I was living the “dream” back in August 2014 Continue reading

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