Hi Dave, I just started my own batch at a u-brew, from a kit. Like you, I want to get closer to the ‘from scratch’ level. I enjoy a well hoppe d Ila but will never have this sort of contr...
You’re bang on with this thought Tim. My wife and I don’t budget at all but we track every penny and are natural savers so I know what our approximate monthly expenditures are any given m...
Well, retiring at 40 with a small pension for income, we had to be very careful with regards to hobbies. My wife has none, I have all of them, except maybe golf. However, of all the things I like to ...
Photography has to be one of the most expensive hobbies out there! My SIL is very talented (and trying to make a business out of her skills) but she has spent thousands and thousands of dollars on eq...
My husband brews his own beer but at the end of the summer last year he made a batch that he hated so much he couldn’t even drink it. He’s had a few successes but hasn’t found a bee...
I have a very expensive hobby – my horse. I have financial goals for savings and I do not compromise on them. I make sacrifices in all areas in my lifestyle to make owning and showing my horse ...
Oh,yes, there are expensive hobbies to be sure and I have my share of them! Anything automotive is going to be expensive, especially if it involves competition. Fortunately I’ve found a few way...
Lorain comment “..since we own our home and have some money that we should be cut out of their will” Well that sucks and I am not being facetious. It is unfair to treat you like that. And...
650ml for $2? I’m moving to Ontario! Haven’t seen a 650 for less than $4.50 for ages. If the hobby makes you happy, then budget for it and do it. The fact that you are getting a great res...
I suppose you could say I have several “hobbies”… fortunately none of them cost much. I used to have a golf fixation as well, but that has fizzled in recent years- I don’t thi...
My construction job just doesn’t allow a cutback in hours… I am just resigned that I will be in the “rat race” for a couple of more years. My wife and I are saving about 6k pe...
I think we get used to whatever is demanded of us. If we reduce the standard workweek to 35, we will get used to it and desire a 30 hour work week. When my 2nd job starts or just have a lot on at one...
I think it depends on your job. My husband and I work in a very stressful retail environment. It is the most exhausting job I’ve ever had. We absolutely get home and have nothing left for anyth...
France has a 35 hour work week and the general consensus is that it is not good for the overall economy, people need to be more productive and a job should be valued enough to put good productive eff...
I really don’t understand how working an extra day a week can make you exhausted. I work abnormal hours in an office environment 530-230, study during lunch and after work, and go to bed around 11. O...
I’m all for it. It takes most of us a long time to commute to work as it is, so even if you have to work an extra 1.5 – 2 hours a day, it’d make the commute more worth it. Plus you&...
Small world! I’m running the Tough Mudder as well (and the warrior dash!). I also eat Paleo! HA
For the past 3 years I’ve lived about 1 km from work, and either bike or walk every day. I never really added it up until the other day… but that amounts to 500km/year. Add to that the fa...
Due to my construction job, I need to have my truck with all my tools… As much as I complain about my job, one of the good things about it is that it takes care of my fitness level. I wore a pe...
I know aa couple whose only plan is to focus on the eventual death of the parents and just have money fall into their laps. They are upfront about it. That is their idea of retirement palnning.
[...] This week Canadian Dream Free at 45 came out with an interesting article that acts as his The 30 Second Retirement Guide. [...]
How about telling people? Nothing like announcing your goals to help you keep on track with them!
yes Kal you could use a site like Mint but what happens when they fold, disappear or are hacked? not so painless then. Maybe I’m too old school but I prefer my data to stay in my control –...
Oh, and the corollary to running the numbers may be realizing that you don’t even have to do any or all of the steps you mentioned. Having said that I did do all of them at one point in time or...
You don’t even need a spreadsheet, you can use one of the free buget/spending tools online such as Mint to track all spending and income as well as most investments. Makes tracking everything p...
I was wondering which bank gave you a mortgage that COST you THREE times what you make – maybe that should read having a mortgage principal that is greater than three times your income. as to R...
I’m with Canuckguy. Spreadsheet… Nice simple list though… Thanks.
3. Or get rid of your car all together and live car-free.
One of our first steps after we paid off our debts, was to track every penny for 3 months just to see where the money was coming from and going to. It is very hard to do, normal budgets should be a l...
I generally get a $1500/1600 back mostly due to income splitting with the house spouse and I don’t mind the government gets the money interest free, I can feel patriotic, heh.
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