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Filtering by Category: Money Tips

The Stock Market Won't Make You Wealthy

Over the last few years I've been in the fortunate position to meet some fascinating people from all walks of life.  Quite often I also get to pop the hood on their finances.  The financial stories are just as varied as the people, but a select few have achieved a rather impressive abundance of wealth.  I have noticed a commonality within this community:  in absolutely zero instances was this high level of wealth achieved via the stock market.

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My Household Budget (Q2 '18 Edition)

If you have not been following along, early last year I became fed up with my bloating household expenses and made a commitment to do something about it.  At that point in time my recurring household living expenses were averaging $3,248.92/month.  Since then, quite a few changes were made which have brought those expenses down by an average of about $500/month and growing.  I continue and track these numbers here to better hold the Sutherland household (wife and dog included!) accountable.

Here is an overview of the process and where things now stand.

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Consumption and the Fulfillment Curve

I was recently listening to a ChooseFI podcast that highlighted financial independence OG, Vicki Robin, author of Your Money or Your Life (reviewed admirably by Paula Pant).  During the interview, I became fascinated her discussion of the "fulfillment curve", which is basically a graph created by Vicki and her co-author, Joe Dominguez, that maps the relationship of spending and happiness.  The chart hones in on the law of diminishing returns past a certain level of consumption.

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My Household Budget (Q1 '18 Edition)

My last budget update was posted at the end of November.  To get things in a more structured format (and to cater to my slight obsessively-organized nature), I've decided to begin posting these updates at the end of each calendar quarter.  It's just more tidy.

That being said, the 1st quarter of 2018 is now behind us which means it's time for a check-in to see where things now stand in route to shoring up the monthly living expenses.

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