Not My Local Library
Before I get into why I love the library, let me start by welcoming you to 2016!
I hope you had a great 2015 and an awesome time on New Year’s Eve. Kate and I were planning on just staying home and having a relaxing night, but our friends Chris and Kris told us they were going to Queens to their friend’s place and have a very low key new year’s eve reunion, then we decided to join them.
Our night was low key, but it was pretty awesome. We had some drinks, ordered some food, played board games, and spent some time with good friends. It was a great night overall.
We stayed over in Queens and had to wake up early on New Year’s Day so we can go to my mom’s house and have brunch with the family. After brunch, my brother, his wife, my brother in law, and I went to the 1:00pm show of Star Wars. My favorite part of Star Wars was when… just kidding – no spoilers.
I hope you also had a great New Year’s. Now it’s time to set the alarm clock because it’s back to work time… sad face. Read more
I don’t know what it is about smart phones, but something happens to them around the two year mark after we buy them, and that makes me wonder. Brand new smart phones are awesome. They are fast and powerful, and everything works great.
It makes that 2-year contract that tends to come with new phones feel not so bad. I just know that I’m going to be happy with this new phone for at least two years. And then, like clock-work, around the 2-year mark smart phones start being not so smart. Everything starts slowing down, apps fail to open, or it takes forever to do a simple task.
Meanwhile, you see all your friends with their brand new phones being able to phone and do stuff. It makes you think that maybe your phone is just old and you need a new one to keep up with the powerful new operating systems and whatnot.
Piggy Bank Will Be So Happy!!!
Yes, you read that right. I am officially debt free!
It probably has been over 10 years since I have been able to say that statement, but I can finally say it once more. In fact, I’m going to say it again… I AM DEBT FREE!!!
It feels really good to be debt free. Now I know that any extra money that I have will go towards my savings and maybe, just maybe, I might be able to reach early retirement… early-ish.
The beautiful thing about all of this is that I did in less time than I have initially predicted.
Pay Yourself First
Last week I read about Ronald Read, a Vermont gas station attendant and janitor who was able to stockpile an $8 million fortune. He passed away last year at the age of 92, but very few people knew he had that kind of money. That is until a couple of weeks ago when he left most of his estate to his local hospital and library.
Mr. Read left $4.8 million to the hospital and $1.2 million to the library.
According to reports, he was a very humble person who drove a second-hand Toyota Yaris and who never splurged except on a daily cup of coffee and an English muffin with peanut butter at the Brattleboro Memorial Hospital.
Aim. Shoot. Score!
I am usually not a goal setting person, but since January is the month of setting goals/resolutions, then why not set some goals for myself as well. I almost never set goals because I usually fail at them, but last time I set goals I did pretty well… see Oktoberfest Writing Challenge.
For those of you who don’t remember, in the Oktoberfest Writing Challenge I was challenged to write at least 500 words every day for the month of October. Even though that challenge was a lot of fun and one that I completed, I will not be doing that challenge every day for 2015.
From everything that I’ve read and heard, I have to set realistic goals, and writing at least 500 words every day for 365 days straight is not realistic.
I do, however, have some pretty realistic goals that I will try to accomplish this year.
Write it down!
The number one rule of wealth management is “Know where your money is going.” Don’t look it up, it’s an unwritten rule.
Everybody knows how much money is coming in every month. They just have to look at their paychecks. But not everybody knows where all of that money is going. Sure, they know about the big bills: rent/mortgage, student loan, car payment, utilities, phone, etc., but many don’t remember at the end of the month what they spent at the beginning of the month.
This causes them to always ask, “Where the hell did my money go?”
I certainly was one of these people. Every month I used to ask myself the same two questions. The question above and “What did I buy this month?”
I was really fed up with that routine so I decided to write down every single expense I made… I mean EVERYTHING. After a month I looked back at my spending and was able to figure out where my money was really going.
DIY Laundry Detergent Ingredients
In my constant quest of saving money, I’m always looking for ways to cut down my spending. And when I went grocery shopping and saw that the most expensive item on my list was laundry detergent, I knew I had to do something about it.
I went to my favorite library – Google – to see if I could find a cheaper alternative and quickly found hundreds of recipes to make your own laundry detergent. Since I’m a big proponent of Do-it-yourself I decided to give it a shot.
Yup, that’s a cracked screen.
I’ve had my cellphone for over two years now and in that time, I’ve dropped it dozens if not hundreds of times. The phone has fallen on concrete, asphalt, tiles, gravel, hardwood floors, grass, beds, pillows, etc. Other than in water, I’ve dropped this thing everywhere.
Each time I’ve dropped it I held my breath hoping the screen would survive the fall and time after time the screen had survived. That was until the last time I dropped it.
I was just sitting watching TV with Luna – cat #1 – and had the phone on my knee. Luna, being a cat, decided she didn’t want to be next to me anymore and used my knee to jump from the couch to the floor taking the phone down with her.