I spent too much time early in my career trying to beat the market. I read a bunch of investment books and scoured the internet for trading tips. After all that work, my results were only mediocre. I wanted a to find a shortcut – investments that would make me a millionaire overnight. But more risk does not always come with more reward. I’ve found that the best way to invest is with a boring, yet highly effective and efficient Three Fund Portfolio.
I’m enjoying a cup of tea while the sun warms my face. I just got a comfortable new office chair and desk. The desk is small, spartan, minimalist, everything I wanted. I set it up in front of a big window. Now I can lean on my desk, propping my chin on my palm, and stare out the window contemplating life. It’s the perfect setup for my home office. I can roll the chair around to grab my guitar, or a snack, or a beer, or to blast some tunes on the stereo. I got this this desk for free with the same technique I use to get the best price on anything.
It’s almost time to get new chicks. Farm stores stock baby chicks in March and we plan to get a half a dozen this year. Hens lay eggs reliably for the first 3 years of their lives, but can live for over a decade. When we got our chickens, we did so knowing one day we would need to get a new flock, and come to terms with eating the old ones. As chickens age, the meat becomes very tough and requires different cooking techniques. After trying a few recipes, we made some delicious French cuisine that left us craving more.
The stock market is going to crash, but I’m prepared because the last time I learned the hard way. It was March of 2009, we were in Hawaii and the stock market was on a tear. We had rented a house on the eastern side of Oahu where we could snorkel and kayak from our backyard. And after a year of heavy losses the stock market crash was finally coming to an end. Everything was right in the world, but I was feeling ill – I had just realized my worst financial mistake. Continue reading
Love is something we can’t buy or sell, yet it’s one of the greatest gifts we can give and receive. Getting married is an affirmation that two people love each other so much that they want to spend the rest of their lives together. There is a lot of meaning behind a wedding, but there can also be massive expenses. I’m lucky to be married to my best friend, and we share many of the same values. For both of us, a huge wedding wasn’t what we wanted. In fact we only spent $20 getting married, and Mrs. CK wanted to share the story of our simple ceremony.
I like beer, I like it a lot actually, and the beer scene in New England is outstanding. For me, there’s nothing better than a juicy New England style IPA exploding with hop aromas. The only problem is these brews are more expensive to make and in high demand, which means if you can get your hands on them, they sell for $10 a pour. A few years ago I brewed my first citrusy IPA. It turned out good – like really good – and I’ve been hooked ever since. These days, for about $0.40 a beer, I can brew something that to me rivals the best beers in New England. I’m going to share the cheapest all grain brewing setup that I’ve found.
We do a fair amount of traveling. Travel costs were our second highest expense last year – at over $7,000, it was 18% of our $38k spending in 2016. This year, we mean to put a serious dent in those numbers through more extensive travel hacking. So far, we’re off to a good start. We booked a 9 day all-inclusive vacation to Jamaica – and we didn’t pay a dime for it.
When we purchased our home, it was tough to keep it heated. It’s a slightly bigger house than our last, but our oil consumption was nearly double. After having an energy audit performed, we discovered it had more holes than Swiss cheese. Luckily, sealing a home from air leaks is easy to do, doesn’t require special tools, and can be done very cheaply. After a lot of sealing, we can now heat the entire 1700 square foot house with a small wood stove during the harshest New England winter days, and many days we don’t need to run any heating or cooling. Continue reading