Tag: Financial Independence

Activities Environment Happiness Uncategorized

Simplifying through #ActsofKindness

#actsofkindness This Christmas season donate your time, money, and things to help others in need and focus less on consuming

The holiday season is filled with a plethora of excuses to spend money and lose focus of your values. Just a few years ago, Mr. Kiwi and I were part of the herd filing into stores as they opened in the early hours of Black Friday morning. And, while I love thoughtful gift exchanges, my […]

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Happiness Optimization Savings

Is an Emergency Fund Necessary with a High Savings Rate?

Emergency funds are needed, right? Every personal finance expert advises building up one regardless of your financial situation. General advice recommends emergency funds range from $1,000 to one year of living expenses, depending on if you carry debt. Well, I have a confession: until this year we never had an emergency fund. No emergency fund […]

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Frugality Happiness

Frugal Holiday Gift Guide

THIS POST MAY CONTAIN AFFILIATE LINKS. SEE MY DISCLOSURES HERE. I am SO ready for the holiday season! I love getting together with friends and family to celebrate, eat good food, and rest. Even frugal me loves giving gifts to those closest to me. I love thinking it through, listening to my friend/family member throughout […]

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Happiness Optimization

Optimizing for Your Values by Questioning Your Spending

Make your spending match your values

I live my life questioning everything and focused on my values, ahem, in theory. Perfection escapes us all, but striving for perfection and learning to embrace your failures will make the journey easier. Thus, while it is easy to propose that I’ll challenge everything, inevitably I realize that I have room for improvement. Over the […]

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Optimization Savings

Simplify Your Finances through Automation

automate your finances

One of the best ways to pay yourself first, is to automate your financial life. In today’s digital world setting up the automation is simple and frequently requires talking to zero people! This week, I’ve been thinking about time management, and one of my big time savers/stress reducers is that I have my financial life […]

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Chronic Pain

Chronic Pain Challenged us to Build a Simpler Life

Chronic pain and personal finance

A simple life goes against many aspects of my nature. I love travel, adventures, and have a million hobbies. Well, okay, one million may be an exaggeration, but I am very good at keeping myself busy. Seeking financial independence involves taking control of your own life, but when chronic pain is present, that control is […]

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Health

Healthy Habits for Financial Independence and my Future

Engagement Day

Reaching FIRE isn’t very helpful if I am not overall a healthy person. As I’ve previously described I’ve struggled with being obese for my entire life. Habits made while young are tough to break, but excuses demand a face-punch. Throughout 2017 I have been working to develop more healthy habits. Mr. Kiwi has been an […]

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Savings

How to Save 50% of your Income on a Grad Student Salary

Personal Finance Experts weigh in on reducing spending

I graduated college at the tail end of the Great Recession, and job prospects weren’t great. I also was reluctant to join the 8-5ers (I wonder if that’s true for most people seeking FI). Thus, I decided that grad school was the right path for me, and my then boyfriend (now husband) had conveniently chosen […]

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