2019 was a year on a one salary budget. … More Living on one salary
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.
A budget need to be as simple as possible, not simple. … More Layered budget – it works for us!
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.
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.
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.
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?
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?
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.
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?