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The Findependent One
Early Retirement
Frugality, FIRE, savings
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Carolina, Puerto Rico
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Latest Blog Posts

I stay away from these issues on my blog, but the climate has become toxic and something needs to be change. I recently visited relatives in another state. This was days after the midterm elections were over and done with, but many campaign signs still remained visible.  The first one to catch my eye was for county sheriff.  The incumbent won; Many people I spoke to voted for him. Their ...
Posted: Jan 30 2019 @ 8:17 AM
One morning I woke up and realized it, so I just packed up my stuff and moved out.  It was over; she knew it and so did I.  Hit me like ton bricks;  no fight, just a long and deafening silence.If I had to pay someone else’s mortgage, at least help with it, then it would be family. So I moved into the unfinished and long forgotten apartment. Finished it ...
Posted: Jan 22 2019 @ 9:30 AM
When we finally decide to manage our financial situation  and get out of debt we often feel lost, or how to get started. There are so many things to consider. Most of us cannot tackle them all simultaneously. Many end up putting it off and never actually get started.  Just like walking, one foot in front of the other.You can accomplish your goals by attacking one task at a ...
Posted: Sep 19 2018 @ 3:00 PM
This Will Be My Daily View There are many ways we needlessly throw away our hard earned money. Whether it is because you only live once or I will never get to do this again mentality it is not a good idea. We may not know better.  Sometimes we don't even realize it. We can avoid this from happening. These steps may not seem like much, and are fairly simple, ...
Posted: Aug 06 2018 @ 10:23 AM
These are all real. The names have not been changed to protect the not so financially savvy. We all know someone who is in this situation, maybe in it ourselves. Quite easy to fall into the trap.  Not so easy to get out. Carlos and the Mini MansionAbout 15 years ago my friend Carlos received a promotion  and a very nice raise came along with it, so he bought a ...
Posted: Jul 02 2018 @ 11:54 AM
Whenever we turn the TV on, open up a magazine or visit the internet we get bombarded, or so it seems, by credit card offers. They are everywhere and they are relentless in the pursuit of new clients.  My mother took out a small loan early last year, and she started to receive one or two credit card offers every week. Same with my son soon after he applied to ...
Posted: Jun 18 2018 @ 11:16 AM
Once we step into adulthood we sometimes become so consumed with life that we forget to live. The mortgage, the student loans; they all get in the way. Our dreams are put aside and what we hoped to accomplish is never to be finished. They say that when we grow old our biggest regret is not about our failures, but what we never attempted.  So do what makes you happy. ...
Posted: Jun 01 2018 @ 12:24 AM
Life is not supposed to be hard, but sometimes we do things that make it so.  It should not be that way. Here are some of the many things we should do to make life easier and in the long run more fulfilling.1.Automate EverythingOften times we are overwhelmed by our bills, but budgeting is a pain in the neck. We set one up but are unable to stick with it, ...
Posted: May 16 2018 @ 10:31 AM
As I sat there conversing with some of the parents, I looked up to see four teams, about 50 kids, exit the training complex and realized they were all plugged into their phones, not all but so it seemed. No conversation, no laughter, nothing but the glow of their screens. These were kids no more than ten, maybe eleven years old. Some were only six.Out in the parking lot, quite ...
Posted: May 07 2018 @ 11:47 AM
Suddenly inspired...Sitting here poolside under a palm tree relaxing while on vacation, a thought crossed my mind. We all love to vacation, yet many people lose vacation time; they simply let it go unused.  I don't understand how someone does not take the time off, you earned it.Breaking away from the daily routine gives the body time to rejuvenate and heal itself. A study conducted by the University of Pittsburgh ...
Posted: May 02 2018 @ 8:50 AM


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