Tread Lightly, Retire Early

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Tag: personal finance

Posted on August 12, 2019August 12, 2019 by Tread Lightly, Retire Early · 33 Comments

Monthly Financial Update: July 2019

Let's just say that this has been an expensive summer. Between vet bills, backyard fence replacement, and spending for future vacations, we have spent significantly more money than is average for us. That said, for July in specific, we knew it was going to be expensive because of our dog's surgery, so we spent accordingly…

Posted on July 24, 2019 by Tread Lightly, Retire Early · 9 Comments

Women’s Personal Finance Wednesdays: Week 44 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on July 17, 2019July 17, 2019 by Tread Lightly, Retire Early · 8 Comments

Women’s Personal Finance Wednesdays: Week 43 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on July 15, 2019July 15, 2019 by Tread Lightly, Retire Early · 75 Comments

Reflections on Two Years of Blogging (Women, Money, and the Environment)

Two years ago, I started this blog of mine. Technically, July 10th was my second blogiversary, but as that day landed on a Wednesday this year, I published my normal Wednesday roundup post and waited to share this post until today. It's still my blog's "birthday week," I suppose, and clearly I prefer to stick…

Posted on July 10, 2019 by Tread Lightly, Retire Early · 11 Comments

Women’s Personal Finance Wednesdays: Week 42 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on July 3, 2019 by Tread Lightly, Retire Early · 5 Comments

Women’s Personal Finance Wednesdays: Week 41 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on June 19, 2019June 19, 2019 by Tread Lightly, Retire Early

Women’s Personal Finance Wednesdays: Week 39 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on June 17, 2019June 19, 2019 by Tread Lightly, Retire Early · 28 Comments

Monthly Financial Update: May 2019

The month of May was a busy one for us. We returned from our Arizona trip the last day of April and went back to work May 1st, and then spent the following weekend at Fred Meyer and Home Depot and at home setting up my two newest raised beds for Mother's Day. At the…

Posted on June 12, 2019June 12, 2019 by Tread Lightly, Retire Early

Women’s Personal Finance Wednesdays: Week 38 Roundup

Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started. There are so many fabulous…

Posted on June 10, 2019June 10, 2019 by Tread Lightly, Retire Early · 62 Comments

Retired At 44 (Guest Post From A Non-Blogging, Work Optional High Cost Of Living Dwelling Lady)

I met Liz back in November of last year at the inaugural Cents Positive. While I was so excited to meet blogger friends in person, again or for the first time, I really hadn't given a lot of thought to the other women who would be attending the event, considering well over half of them…

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Flashback to a garden harvest six years ago today. It’s hard to believe I’ve been gardening in earnest for the better part of a decade now, ever since we moved into our home over eight years ago. Not pictured: nine years ago, when almost nothing grew. Or ten years ago, when everything molded and died. I’ve learned a LOT over the years: Only grow what my family will eat (which means very few green beans, because I’m the only one who likes them). 🥒 Save seeds from everything (it is SO much cheaper than buying new seed packets every year, and it reduces packaging waste + transportation costs). 🌶 Start everything from seed you can / trade with your neighbors. Again, so much cheaper than buying from nurseries. 🍅 The ROI on new raised beds is there, just not in the first year. Or two. They are darn expensive to put in. 🌸 Plant flowers specifically for the bees (thanks, kiddo, for your love of wildflowers). 🐝 🐝 🐝 Nothing tastes as good as what comes out of your own ground. Swipe 👉 to see photos from this week’s harvest! #frontyardgarden #pnwgardening #zone8b #frugalliving #urbanhomestead #zerowasteliving #hyperlocal #growyourownfood #financialindependenceretireearly #fire #earlyretirement #savethebees #frugal The kiddo and his neighbor best friend adore these two trikes. They race them up and down the street and spend hours most days playing outside together. I purchased ours for $7.99 from Goodwill, and it still has a ton of life left in it. Likely theirs is a hand me down as well. And not once has it mattered that the bikes are pink. #momlife #boymom #boyslikepink #pinkisnotagirlcolor #reducereuserecycle #reducewaste #thriftstorefinds #thrifting #frugalliving #frugal #neighborhoodfriends #neighborhoodfamily #boyswillbegoodhumans So... we harvested a bunch of carrots this week. And by that, I mean the kiddo and his neighborhood friends pulled almost all the carrots of any (tiny) size, all at once. I walked out to a carrot massacre in the front yard and I almost cried. They’ve been loving pulling up and munching on the carrots this summer, but this time they pulled wayyyy more than they would eat in one go. I usually love that he’s so into the garden and about eating fresh produce, but this was SO frustrating. We have a few more that will be ready this summer, but best case scenario we won’t have any more until fall. Tonight, I chopped up a good handful of the carrots they pulled plus some potatoes we harvested previously and cooked a sausage and cheese bake with them. The carrots might be much smaller than I would have liked, but we’re still eating them. And I keep reminding myself that part of growing this garden is to have the kids involved, in the planting, the watering, and the harvesting. So if the worst they happens is that we end up with way too many too-small carrots because they love pulling and eating them, I think we’re doing okay. At least that’s how I’m now able to frame it a few days later. Don’t ask my opinion from five minutes after. #pnwgardening #gardeningwithkids #urbanhomestead #zerowasteliving #zerowaste #homegrowncarrots #homegrownpotatoes #zone8b #frontyardgarden #gardenfail #boymom #momlife #urbanhomesteading #frugalliving #whenlifegivesyoulemonsmakelemonade Let’s just say that this has been an expensive summer. Between vet bills, backyard fence replacement, and spending for future vacations, we have spent significantly more money than is average for us. That said, for July in specific, we knew it was going to be expensive because of our dog’s surgery, so we spent accordingly on discretionary items. We still spent more than a bare bones budget, but we definitely tightened our belts a little bit beyond a typical month. We knew this summer was an expensive one, so we wanted to be ready. All told, this expensive summer feels very different from 2017, when cash flowing didn’t happen unless we drained our emergency fund. To be honest, months like this are the biggest reason in my opinion to chase a high savings rate regardless of what your ultimate financial goals may be. By having quite a bit of space between our base expenses and our income every month, we are able to cash flow the big stuff as it arises without having to worry overly much. July’s monthly financial update is up on the blog today with the rundown of how much we spent (and saved!) while cash flowing a surgery for our dog. #emergencyfund #debtfreecommunity #debtfree #financialindependenceretireearly #choosefi #financialfreedom #affordanything #fire #whyoffi #frugalliving #emergencyfunds #savingmoney #personalfinance #budgeting #budget I graduated college in 2009 with $24,000 of student loan debt. Looking for a job during the Great Recession - especially as a newly minted college grad living in a small town in South Carolina - wasn’t a pretty endeavor. My first post college job was making $750 a month as a naturalist, and I soon picked up a part time job at Petsmart making $8.50 an hour to supplement that income. When I finally landed my real “career” job fourteen months later, I was making $30,000 a year. I scrimped and saved and hustled (and worked my park ranger second job), and paid off those loans less than three years later. It never occurred to me to defer them or make excuses when I was making almost no money - I was going to pay them off as quickly as possible. While I sometimes look back and wonder where we could be now if I hadn’t had to pay off those loans, but that payoff journey is what brought me to the debt free and then financial independence community, and our finances - and my life - is so much better for it. Looking back today, six years later, and I can still remember the complete joy and feelings of success when I made that last payment. And outside of our mortgage, I haven’t paid a cent of interest since. If you’re curious about the steps I took to at least hold my debt to $24,000 even while attending a private school, I wrote a post a while back about the steps I took to get there - I could have easily owed double or more, as many of my classmates did (and still do). Link to throwback post in bio, because it seems appropriate today! #debtfreecommunity #studentloans #studentloandebt #studentloanssuck #debtfree #debtfreejourney #financialindependenceretireearly #financialfreedom #whyoffi #choosefi #moneyblogger #financialindependence #studentloan We headed to Jetty Island for the first time last weekend. Just a half hour drive and a (very) short passenger ferry away, it feels like a secluded nature preserve resort type island (without any buildings beyond the bathrooms). The ferry is free, and we packed a picnic lunch, so the day just cost the gas to get there and a $3 parking fee. A “vacation” doesn’t have to be very far away, it doesn’t have to cost money, and it doesn’t have to be overnight. Our day on Jetty absolutely felt like a vacation, and one we definitely plan to repeat. I write a bit more about Jetty Island and the rest of our week in today’s Friday’s Frugal Five post - link in bio. #jettyisland #everettwashington #frugalliving #fridaysfrugalfive #frugalfriday #frugaltravel #debtfreecommunity #financialindependenceretireearly #choosefi #travelwithkids #upperleftusa #pnw #pnwsummer #beachtime #beachday #islandtime

Tread Lightly, Retire Early

Tread Lightly, Retire Early

Recent Posts

  • Friday’s Frugal Five (2019 – Week 32)
  • Women’s Personal Finance: Week 47 Roundup
  • Monthly Financial Update: July 2019
  • Friday’s Frugal Five (2019 – Week 31)
  • Women’s Personal Finance Wednesdays: Week 46 Roundup
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