Why I Don’t Plan On Becoming A Extreme Couponer - Sis

As a mother I tend to do most of the grocery shopping. This is one of our families largest expenses. It’s always a balance between buying quality ingredients and affordable products. But I also feel like that there is a crazy world of extreme couponing that us moms have to deal with. Everyone wants to see their bill go from $100 to $15. I have googled more then once how to start the process. Everytime it never seems to click, or I just can’t figure it out. Kimberly Palmer, the author of the book, Smart Mom Rich Mom, How to Build Wealth While raising a Family, explains perfectly how I feel was about couponing, “we have to break out of this restrictive couponing mind-set and think bigger- much bigger. Think about how to be a skilled shopper every day and not just a discount chaser on the weekends. Think about negotiating ongoing bills and monthly expenses, instead of getting distracted by one time purchases that aren’t that expensive anyways.” This just hit home to me, like many thin…

Offline Mode - Bro

There are many times that the internet is not available on your phone. This could be because you are on an airplane, cruise boat, in the mountains, or simply trying to save money by conserving your data. This does not mean that you have to lose out on your news, music, or movies. I use a few select apps to fill the internet void.

Music: Google Play Music (Free) - Google gives you the option to upload your whole music library to “the cloud”. You can then stream or “cache” your music. This allows you to create and download playlists and select cds to your phone or tablet.

Stitcher (Free) - Stitcher is an app that collects all of your favorite podcasts into one place. You can create “stations” which can be downloaded for offline listening. The free version of this app is supported by advertisements in between podcasts.

Spotify ($15/month) - This is a streaming service I have recently switched to. We purchased a family plan for $15 per month (split between a few family members). For this pric…

Sacrifices VS Distractions - Sis

“I done made sacrifices, so many sacrifices I done gave up so much free time knowing time ain’t free” Sacrifices Big Sean ft Migos
Sacrifices can be linked all the way back to the biblical era when families would offer or sacrifice an animal as a religious practices. Sacrifices are a loss or something you give up to achieve another goal. Big Sean describes sacrifices he has made in his hip hop song quoted above while achieving a successful career. It is clear that we all make sacrifices and most likely, they are also a part of your financial journey.
Distractions are anything that takes your attention away from giving your full self into a task. Christopher Columbus sailed the ocean blue, at least I remember the song going like that, looking for trade a trade route to India. Quoted below he talks about prevailing over all obstacles to arrive at his goal. We all have distractions in our lives that can set us back on our financial journey.
“By prevailing over all obstacles and distractions, …

Phone Choices - Bro

Some of the links in this article are referral links. These do not increase your price but possibly provide me (and sometimes you) some kind of kick back.

Cell phones are something that seem to have quickly gone from a “want” to a “need”. To add insult to injury if you have a child it is considered child abuse (by them) to not have their own phone by the age of 6. I unfortunately have taken this to to the next level. I have 5 cell phone numbers just for me. Yes you read that right if you wanted to get ahold of me you could try 5 different numbers.* I am not going to try to convince you to get multiple cell phone numbers but I can pass on what I have learned from my cell phone gluttony.

Google Voice or Google Hangouts (free): Google makes a great online phone service. With google you can get a phone number from them to use. Once you have a number you can text or call using the internet. This works on smartphones and computers. This service is especially nice because you can text or call …

My Levels Of FI - Sis

Financial independence is a weird concept for most people to wrap their head around, including me. The Think Save Retire Blog defines it as “financial independence is simple: it means that you are not beholden to a job to provide for your livelihood. Instead, your wealth supports your lifestyle.” This to me means you are not dependent on a job for income that pays the cost of daily living. The author at ESI blog defines it simply as “having wealth to cover expenses indefinitely” This is simple and to the point. It means you have enough money indefinitely to live on without having to work. The amount of that money depends of what kind of lifestyle you want.
Bro breaks down his three levels of FI in his previous post. His three levels were Basic FI, Full FI and Baller FI.
Basic FI is being able to cover necessities of daily life. Enough to put food on the table and a roof over your head. This level would be hard to maintain lifelong in my opinion. This does not budget money for family …

My Three Levels of FI - Bro

Financial independence is not an all or nothing thing. If you are willing to live under a bridge it is quite possible to be financially independent for only a few thousand dollars. The problem is that is not the type of retirement most people want to live. I sure don't want to live like that. On the other hand it is also possible to spend your whole life saving and saving to try to hit a FI level where you can live in Monte Carlo. You may hit that level of FI but by then you might be 99 years old.

For me there are three reasonable levels of FI to aim for. The first level is Basic FI. This level would produce enough money that we could pay our bills. There would really not be much money left over for anything else but we would be able to live. The second level is Full FI. This level would supply enough money that we could pay our bills and live a little beyond that. That might translate to some higher quality groceries, a road trip, or even a very rare flight to somewhere fun. The l…

I Am Privileged: A Response To A Fellow Blogger - Sis

My brother recently sent me a link to a blog post. I would like to respond to this post at this time. I respect all authors and think blogs are an amazing outlet for authors

The blog post is:  My Problem With the Success Narrative by Table for One
The blog starts off by the author stating she has an issue with the FIRE community “universally ignore(ing) the role of privilege”.
This author states that privilege can be something like race, gender to growing up in a stable community. I feel that these are characteristics that describes a person. Yes, some of these traits lead to advantages in life but they are just that, traits. It is up to the individual self to determine the effects of these traits. For example, I am a female. In the financial world females aren't traditionally as educated as their male counterparts. I made the conscious choice to educate myself. It was up to me solely to put in the time and effort, this was not determined by gender. I grew up in a privileged house …