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Zed

Blog Info

Name:
zencents
Category:
Early Retirement
Tags:
Budgeting
Start Year:
2016

Blogger Bio

Location:
United States
Age:
30s
Race:
Unspecified
Gender:
Male
Life stage:
DINK (Dual Income, No Kids)
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Latest Blog Posts

Every month I reconcile my accounts, update my tracking spreadsheets, and post an update detailing my spending in a monthly expense report and net worth progress graph. This month is no different!  May was an emotional roller coaster. The first week brought a huge production issue at work. Tagging along were long office hours and immense pressure to fix it ASAP. In addition, I developed an issue with my eye ...
Posted: Jun 21 2018 @ 3:11 PM
Every month I reconcile my accounts, update my tracking spreadsheets, and post an update detailing my spending in a monthly expense report and net worth progress graph. This month is no different!  Spring is finally happening and with all of those beautiful, blooming flowers comes winter cleanup and weekends full of yard work. I am definitely not complaining. I love getting outdoors – especially before the heat and humidity of ...
Posted: May 07 2018 @ 9:15 AM
The secret sauce of achieving financial independence boils down to two things: minimizing your expenses and maximizing your income. By continually working on these two goals you will speed up your timeline to financial independence. My goal with this post is to walk you through how I evaluate job offers while keeping my financial independence timeline in mind. For those of us pursuing FI, the majority will earn their primary ...
Posted: Apr 30 2018 @ 8:00 AM
Okay, okay, this is coming months into 2018, but I still owe it to myself to review my 2017 personal goals. In addition, it’s high time I lay out my plans for 2018 because I expect some bigger changes this year. Looking back over 2017 I can see a handful of top-shelf highs, a whole lot of middling middles, but also some unexpected lows. On the whole, last year was ...
Posted: Apr 15 2018 @ 1:34 PM
March was a tough month. The whole region was without power, but at least no work for a few days. Stock markets posted another negative month, but at least I posted a narrow net worth gain. My monthly expenses bloomed, but at least I got a new phone? It’s not always easy to see the positives in the everyday, but when life gives you a rough patch, the good makes ...
Posted: Apr 08 2018 @ 1:40 PM
Last year one of my goals was to triple my charitable giving. During 2016 I donated an embarrassingly low $125, so my goal last year was $375 or greater. To help motivate myself even further I proposed scheduling a new organization every month and asking for reader support. I tracked this in my year long post called A Year of Giving (More!). What I didn’t realize is how time-consuming sticking ...
Posted: Mar 31 2018 @ 1:09 PM
Spring is coming! We’re beginning to experience spells of warm weather and the days are noticeably longer. Sometimes I even leave work early enough to drive home before it’s dark! Here’s hoping the agreeable weather brings some sanity back into my 9to5. (EDIT: Well, I spoke waaaaay too soon! After making it through the second nor’easter – number three is on the way. Last round left us without power, and ...
Posted: Mar 12 2018 @ 11:02 PM
January was oddly interesting from a life perspective. As I’ve slowly gotten back into the personal finance world, I’m beginning to notice how my spending has become lackadaisical. And after a stellar 2017 (I owe myself and you a recap) I am getting kind of pumped for 2018. January monthly expenses certainly came in higher than I wanted, but damn did the markets make things exciting this month. I’ll cut ...
Posted: Feb 27 2018 @ 12:14 AM
December is in the books and now I’m writing now from 2018. December is usually an awesome month; with lots of vacation days, friends and family getting together, and people just in happy moods. I absolutely loved this past month, it provided much needed stress-relief from the 9-5. Financially, it was another record breaking month, to cap off a record breaking year. I can’t wait to dive into my 2017 ...
Posted: Feb 17 2018 @ 2:01 PM
This is going to be another short one as I try to wrap up my 2017 reports. Work and life has kept me busy for the past months, so September, October, November, and December are all overdue. Going to be on point and out the door quick with these updates. First up as always, the numbers before diving into the Net Worth update. Like every month, this is only my ...
Posted: Feb 10 2018 @ 7:23 PM

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