[Doooh]

My 2010 resolution was to hammer down our finances and our budget. Quickbooks was broken out last night, for a final round before the year ends, and there’s a couple more tweeks needed to come to a hard conclusion.

I want to exclude all toy expenses and rental costs. I have enough wrapped up in toys that I don’t need more, and when I get tired of the ones I have, I’ll have to the time to sell them for what ever new junk I want. Rent will be out of the picture with a paid off home under my belt.

I want to see what food, utilities and clothes cost. We lived frugally, as we normally would have through 2010, though we didn’t try and break ourselves down in order to spend the bear minimus. There’s some savings that can easily be had if we wanted… For instance Turkeys were $5 after Thankgiving those suckers are GOOD deep fried, and they will last a year in the freezer. I hunt and fish, and with some extra TIME laying around, I think all of these things can bring the food bill way down, maybe by 25-40% or so, and we would be eating better to boot.

So, I think I can deduce what our lifestyle would cost minus the extra Health insurance bill and the payed of house maintenance that we’d incur. Fuel cost would drop dramatically, I want to say the work clothes bill would drop too, but I work in pants a t-shirt so there wouldn’t be a change.

What have I missed, besides the cost of a kid or two? (insert sarcasm here)

[Doooh]

My 2010 resolution was to hammer down our finances and our budget. Quickbooks was broken out last night, for a final round before the year ends, and there’s a couple more tweeks needed to come to a hard conclusion.

I want to exclude all toy expenses and rental costs. I have enough wrapped up in toys that I don’t need more, and when I get tired of the ones I have, I’ll have to the time to sell them for what ever new junk I want. Rent will be out of the picture with a paid off home under my belt.

I want to see what food, utilities and clothes cost. We lived frugally, as we normally would have through 2010, though we didn’t try and break ourselves down in order to spend the bear minimus. There’s some savings that can easily be had if we wanted… For instance Turkeys were $5 after Thankgiving those suckers are GOOD deep fried, and they will last a year in the freezer. I hunt and fish, and with some extra TIME laying around, I think all of these things can bring the food bill way down, maybe by 25-40% or so, and we would be eating better to boot.

So, I think I can deduce what our lifestyle would cost minus the extra Health insurance bill and the payed of house maintenance that we’d incur. Fuel cost would drop dramatically, I want to say the work clothes bill would drop too, but I work in pants a t-shirt so there wouldn’t be a change.

What have I missed, besides the cost of a kid or two? (insert sarcasm here)

[Doooh]

My 2010 resolution was to hammer down our finances and our budget. Quickbooks was broken out last night, for a final round before the year ends, and there’s a couple more tweeks needed to come to a hard conclusion.

I want to exclude all toy expenses and rental costs. I have enough wrapped up in toys that I don’t need more, and when I get tired of the ones I have, I’ll have to the time to sell them for what ever new junk I want. Rent will be out of the picture with a paid off home under my belt.

I want to see what food, utilities and clothes cost. We lived frugally, as we normally would have through 2010, though we didn’t try and break ourselves down in order to spend the bear minimus. There’s some savings that can easily be had if we wanted… For instance Turkeys were $5 after Thankgiving those suckers are GOOD deep fried, and they will last a year in the freezer. I hunt and fish, and with some extra TIME laying around, I think all of these things can bring the food bill way down, maybe by 25-40% or so, and we would be eating better to boot.

So, I think I can deduce what our lifestyle would cost minus the extra Health insurance bill and the payed of house maintenance that we’d incur. Fuel cost would drop dramatically, I want to say the work clothes bill would drop too, but I work in pants a t-shirt so there wouldn’t be a change.

What have I missed, besides the cost of a kid or two? (insert sarcasm here)

[Doooh]

My 2010 resolution was to hammer down our finances and our budget. Quickbooks was broken out last night, for a final round before the year ends, and there’s a couple more tweeks needed to come to a hard conclusion.

I want to exclude all toy expenses and rental costs. I have enough wrapped up in toys that I don’t need more, and when I get tired of the ones I have, I’ll have to the time to sell them for what ever new junk I want. Rent will be out of the picture with a paid off home under my belt.

I want to see what food, utilities and clothes cost. We lived frugally, as we normally would have through 2010, though we didn’t try and break ourselves down in order to spend the bear minimus. There’s some savings that can easily be had if we wanted… For instance Turkeys were $5 after Thankgiving those suckers are GOOD deep fried, and they will last a year in the freezer. I hunt and fish, and with some extra TIME laying around, I think all of these things can bring the food bill way down, maybe by 25-40% or so, and we would be eating better to boot.

So, I think I can deduce what our lifestyle would cost minus the extra Health insurance bill and the payed of house maintenance that we’d incur. Fuel cost would drop dramatically, I want to say the work clothes bill would drop too, but I work in pants a t-shirt so there wouldn’t be a change.

What have I missed, besides the cost of a kid or two? (insert sarcasm here)

[Doooh]

Explain HDHP and how to qualify.

[Doooh]

Explain HDHP and how to qualify.

[Doooh]

Explain HDHP and how to qualify.

[Doooh]

Explain HDHP and how to qualify.

[Doooh]

Explain HDHP and how to qualify.

[Doooh]

[quote=jstoesz]I think some of the Fundamental LDSers are accomplishing this all over Utah, but I don’t think you are going to like the polygamist lifestyle.[/quote]

I would, but my wife wouldn’t… I’ve already asked if we could become Mormon.

[Doooh]

[quote=jstoesz]I think some of the Fundamental LDSers are accomplishing this all over Utah, but I don’t think you are going to like the polygamist lifestyle.[/quote]

I would, but my wife wouldn’t… I’ve already asked if we could become Mormon.

[Doooh]

[quote=jstoesz]I think some of the Fundamental LDSers are accomplishing this all over Utah, but I don’t think you are going to like the polygamist lifestyle.[/quote]

I would, but my wife wouldn’t… I’ve already asked if we could become Mormon.

[Doooh]

[quote=jstoesz]I think some of the Fundamental LDSers are accomplishing this all over Utah, but I don’t think you are going to like the polygamist lifestyle.[/quote]

I would, but my wife wouldn’t… I’ve already asked if we could become Mormon.

[Doooh]

[quote=jstoesz]I think some of the Fundamental LDSers are accomplishing this all over Utah, but I don’t think you are going to like the polygamist lifestyle.[/quote]

I would, but my wife wouldn’t… I’ve already asked if we could become Mormon.

[Doooh]

[quote=zzz]Do either of you have any hobbies today, enjoy a bottle of nice wine, enjoy dining out, traveling the world? Because in what you’ve described, all those things are no longer affordable, are you ready to give that up at 33?[/quote]

We have hobbies and travel all the time. Our Mountain biking have taken us all over the western United States as of late. Moab, Zion/Gooseberry, Fruta, Durango, New Mexico, Tahoe, Mammoth. At least every other month were away for a 4-5 days at a time. Last year I took a month off, the year before the same, our honey moon was a month of travel.

Here’s the thing, you don’t have to blow loads to get away. We do everything dirt cheap. I don’t think most folks realize how cheaply travel can be had.

We travel in a truck and camper, we sleep in Walmart parking lots, and on forest land along the way. Truck stops work but they’re a little loud. We actually save $ on the road vs at work running the rat race if we care to. I’m not eating lunch out at work when were on vacation, though I’m very frugal that way too.

The biggest expenses we incur while traveling is fuel. But, after adding up the mileage and fuel usage to and from work, we actually don’t spend more than $200 more on fuel than I would commuting to and from work in a months time.

Travel is dirt cheap if done right. We despise hotels to the point of bringing our own sleeping bags with us on the rare occasions we find ourselves in a hotel room. The bed gets stripped and we try not to touch the mattress. Hotel bedding makes me wince just writing about it.

We make ridiculous amounts of $, and get gitty about clipping coupons, we live in a barn at the moment and the wife wouldn’t have it any other way. We’re stupid frugal sometimes, yet have enough toys to last a lifetime. I actually think I could swing the toys we have, meaning buying and selling them, and make a $15k income a year doing it…. Tax free. I’m confident I can do that year in and year out. Doing it in this down economy proves it. It’s actually easier when times are tough. Toys are cheap right now. It’s all about buy things with pennies and selling things for dollars.

Our hobbies wouldn’t suffer, frankly I think I could make them flourish as a bonified side gig… Again, if I had time.

All this to say, life would still be fun, we wouldn’t be hermits stuck in the mountains like some think life is without a steady cash flow… Well, unless we wanted to be hermits in the Mountains, life wouldn’t be that way.

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