Author: Minimalist in the city

Friday reads – volume 16

And here are the lineups for the week! Build a Life You’ll Never Retire From (Montana Money Adventures)  “Financial freedom makes your best life possible, but it doesn’t make it happen. You make those things happen. And they all require hard work and intention.” One of our favourite blogs and the one which introduced us to the concept of “mini-retirement” – Jillian talks about building the life that you will never retire from. It is easy to assume that once you have achieve financial independence, everything else falls into place. Which isn’t necessarily true. Financial independence opens new pages...

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Aug 2018 – Monthly Update

August is the month where I took two weeks off from work and as such managed to spend some quality time with Kate and the kids. We did not go travelling, simply stayed in town, and thought it was a great opportunity to experience what a post – FI lifestyle might feel like (should we be taking a break from work together). Below are some of the simple things I experienced and learnt to appreciate during this break: Brought Ally to school daily in a less hurried manner and was able to appreciate the simple things she could do;...

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Friday reads – volume 15

And here are the lineups…. How to Retire in Your 30s With $1 Million in the Bank (New York Times) “The whole retire early thing is unimportant to me. It’s more about gaining control of your time,” Mr. Rieckens said. “If you dive into the definition of retirement, what you’re retiring from is mandatory labor. It’s not necessarily about piña coladas on the beach.” Echos what Dave and I think. Retiring early is secondary but having the choice of doing what you want to do, and control of your own time is precious. Your Money or Your Life: An...

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Friday reads – volume 14

And here are the lineups …. The Power of Incrementalism (Passive Income NZ)  “Everyone has the impression that it is impossible to save for retirement. And this is true if you start at age 50. But if you start in your twenties and every year contribute a small amount and invest those savings into an index fund with low fees. Or any other investment vehicle you choose. And you keep year in and year out.” A little by little accumulates…. Not just stuff, but money as well. The concept is not hard to get. But the execution part just...

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Uncluttered – Sep 2018

Kate and I signed up for the Uncluttered course conducted by Joshua Becker a few months back. It was definitely one of the best courses that we have attended. Of course it helps a lot that it is an online course, so we could do it at the comfort of our homes, and whenever we had empty pockets of time without the kids. This course will help provide tips and know-how not just on decluttering (be it your home or your life), but also re-examines the reasons for decluttering, how-to-declutter different areas of the house, staying clutter free, as well...

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Planning for a sabbatical

And I am headed towards the tail end of my sabbatical, I am feeling a lot more refreshed and energised. Granted that I am suffering from stiff shoulders these days from constantly carrying a growing baby, all things considered, I would think that the overall benefits outweigh the cost(most predominantly, the loss of income). Looking back, I have been in the workforce for more than a decade and this is definitely the longest break that I have from work. And really, this was a much needed break. Unlike the time when we were in school, where we had vacation...

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Planning for a sabbatical

And I am headed towards the tail end of my sabbatical, I am feeling a lot more refreshed and energised. Granted that I am suffering from stiff shoulders these days from constantly carrying a growing baby, all things considered, I would think that the overall benefits outweigh the cost(most predominantly, the loss of income). Looking back, I have been in the workforce for more than a decade and this is definitely the longest break that I have from work. And really, this was a much needed break. Unlike the time when we were in school, where we had vacation...

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Friday reads – volume 13

And here are the lineups… Should You Focus on Making More or Spending Less? (Retire by 40) “Should you focus on making more or spending less? This is a trick question. You need to work on making more AND spending less. Everyone should focus on increasing their saving rate instead of picking one side over the other.” Let’s put it that way, both goes in tandem. Most of the financial bloggers I know, or rather at least those that have achieved FI pursue both to the most minute detail. We already know that income does not equate wealth. The...

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Friday reads – volume 13

And here are the lineups… Should You Focus on Making More or Spending Less? (Retire by 40) “Should you focus on making more or spending less? This is a trick question. You need to work on making more AND spending less. Everyone should focus on increasing their saving rate instead of picking one side over the other.” Let’s put it that way, both goes in tandem. Most of the financial bloggers I know, or rather at least those that have achieved FI pursue both to the most minute detail. We already know that income does not equate wealth. The...

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Friday reads – volume 12

And here are the lineups… The Forever Fallacy (Get Rich Slowly) “The key thing to understand is that everything changes. You change. Your circumstances change. The people around you change. Nothing is forever. The challenge then is to balance this concept — everything changes — with living in the present. You must learn to enjoy today while simultaneously preparing for possible tomorrows.” What if though something changes? Are you prepared for that change? Nothing stays constant forever. And that is something we need to provide some food for thought. When Earning $1 Million A Year Isn’t Enough To Retire Early (Financial...

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Friday reads – volume 12

And here are the lineups… The Forever Fallacy (Get Rich Slowly) “The key thing to understand is that everything changes. You change. Your circumstances change. The people around you change. Nothing is forever. The challenge then is to balance this concept — everything changes — with living in the present. You must learn to enjoy today while simultaneously preparing for possible tomorrows.” What if though something changes? Are you prepared for that change? Nothing stays constant forever. And that is something we need to provide some food for thought. When Earning $1 Million A Year Isn’t Enough To Retire Early (Financial...

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Minimalist in the city – 700 more days to FI

For the bulk of our FI journey, the Minimalist in the City household is predominantly a dual income one. We have budgeted and managed our expenses such that we are able to live off one income, saving and investing the other income stream thus far. Our savings rate is higher than 50% and our lifestyle is also inherently different from most other families in the same profile group (be it demographics or income range). We have consistently been living below our means and seek fulfillment in life through appreciation of experience rather than things. The discovery of minimalism also taught...

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Minimalist in the city – 700 more days to FI

For the bulk of our FI journey, the Minimalist in the City household is predominantly a dual income one. We have budgeted and managed our expenses such that we are able to live off one income, saving and investing the other income stream thus far. Our savings rate is higher than 50% and our lifestyle is also inherently different from most other families in the same profile group (be it demographics or income range). We have consistently been living below our means and seek fulfillment in life through appreciation of experience rather than things. The discovery of minimalism also taught...

Read More

Friday reads – volume 11

Power is the ability to control your own life (The Escape Artist)  “I had always assumed power meant having status and income, influence and external rewards. Ralph had all of them. Yet up close he didn’t seem very powerful. I started asking whether power meant, rather, the ability to control my own life.” When the money is really alluring. It becomes harder to walk away from it. But with that, it comes at a cost. Time. For yourself. Your family. And really, was that what you wanted to do in the first place? How much money do we need...

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