Why it is Important to Continue Investing in a Downturn

Read my disclaimer here. When you consider the potential for a future recession, how does it make you feel? Does the expected dip in your 401k keep you up at night, or are you prepared to continue investing to boost your retirement savings for the long run? Going into March 2020, I was thankful forContinue reading “Why it is Important to Continue Investing in a Downturn”

5 Ways Minimizing Your Closet Can Make You Money

When I first started my professional career, I appeared to have a minimalist closet, Unfortunately, my jeans and sweatshirts from college days were no longer appropriate for the office life. Two hundred dollars later, I accumulated a couple sweaters that I wore with black pants, black shoes, and a handful of different blouses that addedContinue reading “5 Ways Minimizing Your Closet Can Make You Money”

10 Things We’ve Learned While Minimizing Our Home

If you looked into our home, you would not immediately assume that we are trying to embrace minimalism. We still have stuff everywhere, but have challenged ourselves to keep a smaller home and deal with our stuff problem. One day, I’ll be brave enough to share the before pictures of our house so you canContinue reading “10 Things We’ve Learned While Minimizing Our Home”

Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother

It wouldn’t be the start of a new year without time to reflect on goals for the next 12 months. Since writing them down makes you significantly more likely to achieve them, I thought it wouldn’t hurt to create a blog post to hold myself accountable. In my post, I also reference a few otherContinue reading “Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother”

Enjoying the Journey by Having a Plan

My husband will be the first to tell you it’s not uncommon for me to spend an evening obsessing over excel files with my multiple levels of backup plans, specifically different levels of budget spending. In 2009 I was laid off for the first time, and while I was able to bounce back in 2011Continue reading “Enjoying the Journey by Having a Plan”

Increase Your Future Income by Understanding Dividends & Capital Gains

A few years ago, I started investing small amounts without a full understanding of the different performance metrics. My knowledge was limited and I couldn’t project how or when I’d be taxed on my returns. I also didn’t understand how the decisions I made played a role on how much I would pay. Depending onContinue reading “Increase Your Future Income by Understanding Dividends & Capital Gains”

Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?

Let’s say that you want to know how to invest your time and your money to increase your salary, allowing you to achieve financial independence faster. As we know, we can either reduce our expenses, increase our wages, or improve our investment returns to achieve financial independence sooner. In this article, I want to reviewContinue reading “Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?”

Create Less Waste by Minimizing What You Purchase and Buying Intentionally

I grew up in New England and moved to the Midwest when I was 18. I wasn’t the greatest at recycling or preventing waste when I was younger, however when I moved to a different part of the country, I was amazed to see how socially acceptable it was to discard even commonly recycled items.Continue reading “Create Less Waste by Minimizing What You Purchase and Buying Intentionally”

How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan

First, I want to touch on the benefits of HSAs (Health Savings Accounts) and how much you can save in taxes and earn in interest as you plan for retirement. Then I’ll review how I selected the best health insurance plan for our family for 2021. I’ll also share a spreadsheet that I used toContinue reading “How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan”

Can Minimizing Your Digital Distractions Improve Your Thoughts, Your Relationships, and Your Career?

This last week we were exposed to a considerable amount of uncertainty as we waited for the election results to be posted and confirm our future president of the United States. This week, I became significantly more aware of the time I was spending watching the news and scrolling through my news feed, appreciating theContinue reading “Can Minimizing Your Digital Distractions Improve Your Thoughts, Your Relationships, and Your Career?”