Keeping Up With The Mustachians

The rest of the world only has to worry about keeping up with the Joneses – in the FIRE (Financial Independence / Retire Early) community we have the Mustachians. Mr. Money Mustache retired in his thirties after nine years of saving a large portion of his income and investing it in index funds. There are…

Letters To My Future Self

On my debt free journey I’ve learned that motivation is everything. If we want to see progress we have to engineer our environment to bump ourselves along to success. Gamify, Automate & Habitify (GAH!) are my watchwords! Support is a major component of achievement, so surrounding yourself with people who encourage you is key. It’s…

Book Club: Broke Millennial by Erin Lowry (September 2017)

If you’re interested in reading books about personal finance, you came to the right place! September will be the launch of an online book club for personal finance lovers, right here at Debts To Riches. Thanks to @debtconscience for the suggestion! Next up on my to-read list is Broke Millennial: Stop Scraping By And Get Your Financial…

GAH! (Gamify, Automate, Habitify)

What is the most efficient path to sustainable behavior change? Die-hard willpower devotees will tell you to suck it up, flex your will muscle, punch yourself in the face, and crush your goals through sheer strength of mind. Me? I don’t believe in willpower. Do you? Let’s try an experiment. Why don’t you go open…

Debt Payoff Report – August 2017

August was pretty standard as far as debt payments go. I’ve settled into a routine where I pay $600 on my student loan at the beginning of the month, and $1,300 on my student line of credit in the middle of the month. My current goal is to continue with these payments until either my…

Save Money The Painless Way (No Budgets!)

I’m sure by now we’ve all read an infinite number of articles about saving money. The standard cut your cable bill and stop eating out so f*cking much is still great advice, but what if that doesn’t work? The math is simple, but that doesn’t help the majority of us if personal finance is largely about…

My FIRE Prowess Report Card

Are you on schedule to achieve your goals? A key component of motivation is tracking and evaluating your progress for consistent feedback on your behavior. We tend to get lost in our day to day, feeling like we’re not getting anywhere, so it is essential to look back over a few months or years to…

Track Your Way To $0 Spending

In January, riding the high of New Year’s Resolutions, I decided to tackle my meals out budget. Reviewing my 2016 numbers, I realized I had been spending an average of $290.12 per month on fast food and restaurants! Not. Good. To cut back, I knew I needed to trick myself into not spending money. I’m…