Posts

Notes on Life | Jul 20, 2018: +1, 75 posts, Flagyl

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Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I love watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Alo…

4 Months Post-Op: Some Unexpected Things (TMI)

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Welcome back. I'm just sharing a quick update on my health four months post-op. Quite a few unexpected things have happened and I want to document seemingly everything on this My Early Retirement Journey. I did browse HysterSisters pre and post-op, but sometimes it's information overload. If I can't find what I'm looking for within a few clicks, I quickly lose interest. It's a great starting place though. Anyway, here's my personal account of what life has been like down there over the last four months.

Related content:How the Hysterectomy I Ordered Online Helped Save $70,000 for Early Retirement

Background.
I had a dual-port laparoscopic hysterectomy March 2018 because of heavy bleeding, polyps and cysts. Conceivably, I could have gone with more conservative management (i.e. contraceptive pills, intrauterine device (IUD), tranexamic acid (TXA) or endometrial ablation), but I tried a few of those. Hormones gave me some weird side effects (i.e. skin falling off i…

Traffic Jam Weekend Linky Party #153 (Guest Co-Hosting)

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Welcome to Traffic Jam Weekend Linky Party #153. My Early Retirement Journey is Guest Co-Hosting this week. It's my first time hosting a Linky party. Let me know what you think. All feedback welcome! Remember to share the party on social media throughout the weekend with the hashtag #trafficjamweekend.
WELCOME TO TRAFFIC JAM WEEKEND LINKY PARTY #153!Show us your old posts and more on Traffic Jam Weekend! Come on in to link up, share, and learn something with us. #trafficjamweekend
For any newcomers to Traffic Jam Weekend, this weekly linky party is all about linking up your old posts so you can get some new comments and traffic. To the frequent TJW visitors, thanks for always linking up.
The bloggers bringing this fabulous party to you: Kimberly: Being A Wordsmith | Facebook (site) | Facebook (book series) | Twitter | Pinterest | Instagram | Google+ Gail: Frugal Family Adventures| Facebook| Twitter | Pinterest | Instagram | Google+ Evelyn: Eclectic Evelyn | Facebook | Twitter | Pinterest

The Incredible Lightness of Giving: How FIRE Helped Me to Be More Generous

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Since joining the conversation, FIRE and I have had our differences. The struggle was real and still is, but I wanted to share that all this frugaling and budgeting has had a positive impact on more than just my savings rate. The core tenet in financial independence is The Budget. Don't leave home without it! While budgeting itself didn't scare me, it was just hard to make everything fit with housing being my biggest line item. I initially tried to make my expenses conform to a hypothetical ideal budget when I just wasn't there yet. When I finally made the budget work for me where I am currently, I found relief. It's been working so far. Today, I wanted to share that when faced with a new financial hurdle, my budget came through for me.
My Working Budget exceeded my expectations. I recently started handling Aunty MERJ's finances and inevitably had to cover some of her expenses.  At first, I started to panic. Oh my gosh! What will this do to my My Early Re…

Wednesday Weekly: July 18, 2018

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Most popular post on My Early Retirement Journey this week: Notes on Life | Jul 13, 2018: Eldercare, Kitchen Fire, Hawaii

Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet's all about.

WHAT I STUMBLED UPON THIS WEEK

Being frugal is for the rich (The Outline)

Embrace the Power of 'Weak Ties' (Life Hacker)

WOMEN ON THE WEB

Create Your “Best of” Yearly Review
(Montana Money Adventures)

Summer Bucket List Ideas for Adults (Moms Confession)


THIS BLOGGING BUSINESS

22 Blogger Income Reports – From $60 a Month to $160,000 a Month
(Real Ways To Earn Money Online)

Enjoy? Like/Subscribe


This Morning at the Elder Care Center

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Hey there, since the internet is for sharing. I thought I'd share what was asked of me at my recent intake appointment at the Elder Care Center in my county in North Carolina in July 2018. I was not fully prepared, but maybe the next person might be. The intake process took almost 2 hours and that was with me not having all the documentation. This was just my experience, so please don't take this as absolute fact or official information.

Start here: Resources for Seniors

Income Limits
Based on income requirements, Aunty MERJ was priced out of: (again unofficial, just my experience)
In-home care (income limit: $1,012)Group home (income limit: $1,248)Related content: What No One Tells You About Managing Your Aging Parents' Finances

For long-term care, the "reserve limit" was $2,000 which excludes 1 home and 1 car, but includes: property and liquid assets. This wasn't fully explained, but it appears to be how much you have in assets. Also not fully explained, but…

The Subtle Art of Persistence: A Suprising But Effective Way To Get Your Money Back After a Tow

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In case you are just joining My Early Retirement Journey, I was towed earlier this year from my apartment complex...on a weekday. I found it completely outrageous. Yes, I was parked in a handicapped space but it was on the side of the building in front of vacant retail spaces. There was nothing for the imaginary handicapped person to go to. Nothing. The retail spaces had been vacant since the building opened 2.5 years ago. Thus, the handicapped parking spaces were not accessible to anything. I had parked there for the 2.5 years I lived in the building without issue. Then one day, I got towed.


In a follow-up post, I documented my failed attempt to plead my case and get my money back. I was defeated and tried to move on. Then a week or so later, some construction began in those retail spaces and guess where the construction crew parked their vehicles and dumpster... in the handicapped space. What was such an egregious act a week before that it got me towed was now permissible? As the y…
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