Oct 04 2012
This blog turned 5 years old last week. I’ve been trying to put some thoughts to words, and I’m falling short.
In some ways, I don’t have much left to say. I’ve talked about ways to save money and be ultra-frugal if you wanna, how to save money on pretty much everything, how we paid off our credit cards and car, how we saved money when we bought our house and then refinanced our mortgage, how we’re preparing for retirement, having babies without breaking the bank, saving for college…what left is there for me to talk about?
As far as my own story goes, I feel like we’re fortunate to be in a position where we’re going to put our finances on cruise control.
We have been blessed beyond what we deserve. WAY beyond.
Our expenses-to-income ratio has always been reasonable, and lately it has improved even more. We have more breathing room and we’re able to hit our goals.
We have no major purchases or goals on the horizon. It’s just:
- load up retirement investments
- load up college savings
- save for future big-ticket items (a next vehicle, years down the road hopefully; a big house repair, etc)
- live our lives.
The whole point of hurrying to pay off our credit card and car, and throwing together savings, and getting our investments automated was so that we can get on with our lives.
“Lieutenant Dan got me invested in some kind of fruit company. So then I got a call from him, saying we don’t have to worry about money no more. And I said, that’s good! One less thing”. – Forrest Gump
The goal was to get ourselves in a situation where we didn’t have to “worry” about money (although we never really worried, we just went after the issue) but also, we want to be at a place where we don’t have to think about money all the time. Automating the process. Taking thinking out of the equation.
There’s still some topics I’d like to discuss on this blog, along the lines of living in this stage. I really would like your feedback on this, and how to approach it.
On one hand, I do think there’s a void, a lack of discussion on the “what now?” stage that I’m talking about. JD Roth noticed it when he became debt-free
. He noted he felt lost for a few weeks — he had been putting his focus toward debt repayment for so long, and once he achieved that goal, he wondered: now what?
On the other hand, I know some of you, and several of my real-life friends are truly struggling right now and I do not want to be insensitive to that. At all.
I’m not ending this blog right now. I would like to continue writing when I have the inspiration. Blogging has been a hobby of mine and I’ve appreciated the friendships it has generated, the creative outlet, and yes the revenue. Ever since I stopped taking this blogging stuff so seriously and adopted a slower posting schedule, I’ve felt better about it.
Thank you for reading and commenting and emailing me over the years. I enjoy hearing from you and celebrating your success. (Speaking of, at some point mid-2013, Courtney is expecting to pay off her final student loan. How about that?! Looking forward to that update.)
I’ll end with this:
It’s only money. When there’s not enough, it can be a source of stress and sacrifice. When there’s plenty, there’s breathing room but also the potential for increased consumerism. At any stage, we can turn money into an idol.
Reminds me of that song by Kansas, “Dust in the Wind”:
“Now, don’t hang on/ Nothing lasts forever but the earth and sky/ It slips away / and all your money won’t another minute buy/ Dust in the wind”
It’s only money, honey. Best to get it under control, rather than have money control us.