Bert’s September Dividend Income Summary

Is it just me or is 2017 flying by??  I cannot believe that the third quarter came to a close!  This third quarter was an exciting one for my wife and I and I think we spent nearly every free minute we had together fixing our new house, painting walls, packing (and then unpacking), and finally settling into our first home.  It was a stressful process for sure, but man I am excited that it is over.  I’ve been looking forward to reporting my dividend income for September because let’s be honest, who doesn’t like reporting their income in the final month of a quarter when their mutual funds pay dividends?   Now it is time to check out my September dividend income report. dividend income Continue reading

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A Call to Action: It is Time to Pay Off My Debt!

Lanny and I are constantly writing about our pursuit of financial freedom.  We invest every dollar and spend every extra minute we can side-hustling to allow us to break the shackles of the 9-5 (or in our case 7 – 6) jobs to pursue our dreams and focus on what makes us happiest in life.  The dividend and side hustle income will allow us to cover our regular living expenses, take the pressures of working to cover these expenses, and unlock those shackles that are holding us back.  That’s how you take back the control of your life.   Today, I’m going to take a deep dive into one of the largest areas of my personal balance sheet.  No, I’m not focusing on the assets for once.  Rather, I am going to pull back the layers of our debt and discuss my plan for reducing my outstanding obligations taking back control of my personal balance sheet.

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Goodbye Auto Loan!

Time to bust my hands out of one set of shackles.  After 48 months of owning my car, with “strings” attached to them, I decided to snip that little thread to be free and clear.  I remember every so often, I would look back and think, “I should have never bought my car and taken a loan out to do so”.  Well, at least now I have decided to at least take out the last part of that statement there.  Goodbye Auto Loan!

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Buying Our First Used Car

We had an insane month of May, no questions asked.  We bought a house, we attended a couple of weddings, and traveled to Boston for a graduation.  A lot going on!  If you recall, in what feels like forever ago by now, I wrote an article about how we were also going to have to purchase a car for my wife since her lease was set to end in May.  So on top of all of it, we added buying a car to the mix!   This time, something was different, we changed our plans at the last second and decided to purchase our first ever used car.  Now, here is the “thrilling” story about one of my least favorite processes ever, buying a car.

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Fears of Being a First Time Homeowner

My wife and I just purchased a house…it is still settling in.  I can’t believe I am taking the plunge into home ownership.  This is the largest asset we ever purchased, and it most likely will be the largest one for the remainder of our life.  Last week, I tried to give an in depth account of the purchase in an article. Some of our frustrations, how we stumbled on our house, and the bidding/acceptance process.  At the end of the article, I left a cliff hanger about some of the parts of being a first time homeowner that I am still struggling with.

pay down the mortgage or invest

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Best Use of Unlocked Cash Flow

Hello everyone!  Today, I went on a run outside and had a nice deep thought about what to do with an unlocked source of cash flow.  No, no this isn’t coming from my INCREASE in housing expenses or a pay raise.  This actually goes back to relate to paying off my auto loan earlier, rather than later.  This won’t be moving mountains, by any means, however this unlocks a new cash flow for me and now the debate is what to use the additional capital that will be available on a monthly basis going forward!

Cash, Flow, Cash Flow, Cycle, Money Continue reading

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Buying My Wife’s Next Car

Despite my disdain for the costs of owning a car, I find myself in a familiar situation…looking for a new car.  This time, it isn’t a replacement for my dented Toyota Camry.  Instead, my wife is looking for a new car.  With the prospect of having a family being in the not so distant future, we are looking to upgrade my wife’s Honda Civic to an SUV.   This article will summarize some of the discussions my wife and I had about car ownership along with discussing our final options that we are looking to purchase.

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