Living on one salary
12 January 2020
2019 was a year on a one salary budget. … More Living on one salary
Tag: budget
Financial update – How much do we save?
15 May 2017
Looking at the numbers once in a while is a good habit. And at the ATL house, it is all about habits! So, Let’s see how our summers starts.
Layered budget – it works for us!
27 February 2017
A budget need to be as simple as possible, not simple. … More Layered budget – it works for us!
How spreadsheets facilitate communication.
15 September 2016
Like most people on the journey to Financial Independence, I have a series of spreadsheets filled with a lot of data and formulas. These documents allow me to track my progress on the Amber Index and in play money. Are they helping me to communicate with my wife? How could the cloud help me even … More How spreadsheets facilitate communication.
How many accounts do you need?
25 July 2016
Overtime, we have accumulated a lot of accounts. They each serve a purpose in our system. And I do think it can be made simpler.
I am mechanical
30 June 2016
No, I am not a droid or a iRobot. I just make my life easy by automating a lot and being mechanical in decision taking when it comes to investing and trading.
Emergency fund vs mortgage down payment
21 April 2016
Inspired by The Financial Samurai post, I decided to ask a similar question here: Should we use a part of our life happens fund and emergency savings to pay down a part of the mortgage?
how we foresee cash for future plans
17 March 2016
Having an emergency fund is one of the must haves before you start to invest. I feel lucky, we do have an emergency fund. However, there are many small to medium size expenses that you plan for and thus, I do not consider these an emergency. How to save for those?
Automated saving for the mid term expenses
18 July 2015
Figuring out how much money you need in an emergency fund and for the medium term is not easy. Knowing where to keep it is yet another challenge. Getting there is also a question that needs an answer.
what is enough?
6 July 2015
Not so long ago, a discussion with a coworker got into the early retirement subject, to be more precise: how much is enough. This is indeed a good question: when can you stop working and be sure? Honestly, this is a question that is in the back of my mind. There are so many variables … More what is enough?
amber tree leaves 