flowerbug
Sustainability Master
i live a very simple life and am lucky to live with Mom.
i do have a budget.
i don't sponge off her, i supply protection and labor but i also help out with bills or projects when needed.
i paid for the new roof when needed. i help with the taxes or heating bill.
but still we joke about the moths that live in my wallet because it gets so little action.
how i got where i am financially was as a kid growing up fairly poor and then the parents divorced so that reinforced my desire to not remain that way. i read up on financial planning and investing and watched the stock market.
i worked as a kid and as a teen, mowing lawns and for the family business once i got old enough. hard work, some of which was damaging to my body and i still have to cope with that.
when i went to college Dad refused to fill out the financial aid application. he did co-sign on a few loans and while i was in college he paid the monthly interest on those loans. when i graduated he gave me some money but also the loan book. i.e. it was now up to me to pay it back. as i had worked my way through college that took longer than 4yrs to get the degree, but once i had it i continued my simple living and paid all my school loans off within 18 months and still was able to start saving and investing.
i continued to invest and live a simple life for the next 9 years and then i reached my goal and the job i was in was winding down and becoming less interesting so it was a good time to just do something else for a while. i semi-retired then at 33.5yrs old. i have worked part-time since then and one short stint as full time along with the part-time job but that was too much and i ended up going back to just being part-time again, but that ended too when management changed at the library. so i've not worked since then.
my income is from investments and it isn't much, but i don't need much.
my only real regret is that by not working for another 5yrs or so i didn't have enough money set aside to get enough land that i really would like. eventually i'll need to buy a place to live and may end up staying here since i've put so much work into it, but this is not the ideal place in many ways so it is hard for me to decide to stay or go when the time comes. i doubt i can find the perfect place more suited at about this price or less.
sadly, i didn't know the place out back was up for sale when that happened, that would have been acreage and a much better site.
in the meantime i continue my simple life and in the company of my moths and squeakyness.
i do have a budget.
i don't sponge off her, i supply protection and labor but i also help out with bills or projects when needed.
i paid for the new roof when needed. i help with the taxes or heating bill.
but still we joke about the moths that live in my wallet because it gets so little action.
how i got where i am financially was as a kid growing up fairly poor and then the parents divorced so that reinforced my desire to not remain that way. i read up on financial planning and investing and watched the stock market.
i worked as a kid and as a teen, mowing lawns and for the family business once i got old enough. hard work, some of which was damaging to my body and i still have to cope with that.
when i went to college Dad refused to fill out the financial aid application. he did co-sign on a few loans and while i was in college he paid the monthly interest on those loans. when i graduated he gave me some money but also the loan book. i.e. it was now up to me to pay it back. as i had worked my way through college that took longer than 4yrs to get the degree, but once i had it i continued my simple living and paid all my school loans off within 18 months and still was able to start saving and investing.
i continued to invest and live a simple life for the next 9 years and then i reached my goal and the job i was in was winding down and becoming less interesting so it was a good time to just do something else for a while. i semi-retired then at 33.5yrs old. i have worked part-time since then and one short stint as full time along with the part-time job but that was too much and i ended up going back to just being part-time again, but that ended too when management changed at the library. so i've not worked since then.
my income is from investments and it isn't much, but i don't need much.
my only real regret is that by not working for another 5yrs or so i didn't have enough money set aside to get enough land that i really would like. eventually i'll need to buy a place to live and may end up staying here since i've put so much work into it, but this is not the ideal place in many ways so it is hard for me to decide to stay or go when the time comes. i doubt i can find the perfect place more suited at about this price or less.
sadly, i didn't know the place out back was up for sale when that happened, that would have been acreage and a much better site.
in the meantime i continue my simple life and in the company of my moths and squeakyness.
