FIRE on a Rainy Day

A few weeks ago I was at home in Mexico for a late-season rain. I’ve been adding a new level and unit onto my small home in Baja California Sur. Although I expected the construction to be completed sometime in October, the finishing touches continued to drag on. This meant that with my two pre-existing units starting to be occupied by short-term renters for the ‘tourist season’, I was scrambling a bit for a place to stay. This was made all the more urgent by the forecast tropical storm set to fall during the days that I would be ‘homeless’. I reached out to a friend of mine who has a property nearby with four living quarters that he rents on Air BnB, and as it turned out he had some space during those days.

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My First Podcast – Get Paid For Your Pad

Ironically, shortly after posting my latest post on health, I started to experience some crippling back pain. This has stifled a lot of aspects of my life, including creative pursuits such as my blog.

As I start to see some small signs of improvement today, I was inspired to share this here for my readers to check out. So without any further delay, here is the link to my first ever podcast appearance.

Around the same time, I recorded a Podcast interview with Jasper Ribbers, a global Air BnB entrepreneur and founder of the great website Get Paid For Your Pad.

Please enjoy.

4 Must Haves: Personal Finance Apps (Guest Post)

There’s a first time for almost everything.  And that even includes guests posts on this blog!  Recently Money Done Right reached out and pitched a few ideas for a guest post to Freedom 33.  Because we all know how much I believe in the power of tracking (I decided I need to gain a better water-drinking habit and started tracking daily intake, which led to me drinking an average of almost 4.5L over the last week!), we eventually settled on the topic of personal finance apps.

Not only do I understand the power of tracking our progress – I’ve gotten a handle on my diet, finances, water consumption, driving habits and once upon a time quit smoking this way – but I am always on the lookout for ways to improve the process.  I have used Mint for a long time to track my finances, but ultimately still turn to my own spreadsheet as it serves me exactly how I want to be served, and I still haven’t managed to fully bend Mint to my will.  

Nevertheless, I am excited to hear about other options that may save me some time and allow me to finally move away from my clunky (but effective) Google Sheets spreadsheet method of tracking my finances.

It can be confusing and overwhelming to start monitoring your money more closely, but there are more tools than ever to help you understand and manage your finances. You can find effective mobile apps to cover a variety of elements of personal finance.

This article will identify four of the most powerful personal finance apps currently available. These are great places to start for anyone new to budgeting. Mobile apps make personal finance more convenient and help you stick to your financial goals.

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The Happiness Index

For what’s money without happiness?

Or hard times without the people you love?

-J. Cole, Love Yourz

No, this is not a discussion of some hip new ETF that I have found. Instead, I wanted to bring to your attention some recent research that may change the way we quantify happiness, which has all sorts of implications, even for you and your own Freedom goals.

The #FIRE community was borne out of a call-to-action to the middle class to reconsider the things they value most and to come to terms with the fact that a rich life was measurable by so much more than simply money. Bloggers like Mr. Money Mustache and Early Retirement Extreme preached logical frugality, simple indulgence, mindful and constant skill development and a consideration of the impact our actions have on others and the planet itself. It was a call to wake up from our sleep-walk towards endless economic growth at all costs no matter how unhappy and unhealthy it makes us and to re-direct our resources in order to allow ourselves to become the master of our own domains again.

A lot of this sentiment still exists within the community, but in some corners – and perhaps in those that overlap somewhat with the more traditional world of Personal Finance – it has simply become a collection of affluent middle class people telling stories of how well their ETFs and Index Funds have been performing (during the best 10 years in history for such investments mind you) and then reporting their net worth to each other on a monthly basis. A lot of it is hardly meaningful, and seems to have let go of the ‘why’ of it all. I see very few to zero ‘Charitable Givings’ or ‘Ecological Impact’ reports provided to summarize their social and natural capital gains or losses alongside their ‘Net Worth Update’ articles reporting their financial capital.

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