FISH | Financial Independence Seeking Happiness

Fragilista - Part 1

Contender 0 Early Retirement, Finance, financial freedom, Inflation, Investing, Life 11:55

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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKbDYxlgTwvAiGjYpQbnH4mjq2ITL0w5qPX7CFqf37GN9NIWUfwsuJy1CeLcmyXlqQioTOue1F_909H7T-c-wKDzlDIzyTG13QCa78Cb2yhVVsziXREB9hfztL0E0kXCTk2Ji-8BJt-nTk/s1600/P1050243.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKbDYxlgTwvAiGjYpQbnH4mjq2ITL0w5qPX7CFqf37GN9NIWUfwsuJy1CeLcmyXlqQioTOue1F_909H7T-c-wKDzlDIzyTG13QCa78Cb2yhVVsziXREB9hfztL0E0kXCTk2Ji-8BJt-nTk/s320/P1050243.JPG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Our very fragile sink - we are chucking everything at the <br />
kitchen sink of 2017 to make it as successful and <br />
anti-fragile as possible</td></tr>
</tbody></table>
<b>Welcome to a New Year of new opportunity ladders and slippery snakes. </b><br />
<br />
This year I am kicking off with the basics on how to achieve Financial Independence with a link to my <u><a href="https://sites.google.com/site/lifeplanltd/home/TimeLine_Financial.xls?attredirects=0&d=1" target="_blank"><span style="color: red;"><b>updated Financial Independence Timeline planner</b></span></a> </u>that allows you to create a basic budget, track spending and create a financial independence plan.<br />
<br />
I will cover a bit of <u><b>media bias</b></u> (plenty here;) in the wold of fake news and risk planning especially <u><b>focus on becoming anti-fragile</b></u> (Courtesy of Nassim Taleb)<br />
<br />
In part 2, that will be released later, I will<br />
<b> </b>discuss our anti-fragiliska actions and what you can do<b><i>.</i></b><br />
<h2>
Early Retirement does not have to be a dream - maths 101</h2>
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I have read a lot of articles from the FIRE community and mainstream media. Some are very good at highlighting how it is possible to save what can bee seen as a daunting wad of money. Some talk of extreme "sacrifices" made at a young age to do this. In reality it is sensible to choose somewhere in between. <br />
<br />
A happy financial independence is possible with a reasonable wad. It is possible to avoid extreme living arrangements to get there. We "retired" at age 37 and still managed to have a great time along the way. How?<br />
<br />
Simply - we worked (at education to get good jobs where we put in the required effort) and saved hard all our lives (50%+ of our after tax income) - <a href="https://www.amazon.co.uk/Grit-Passion-Perseverance-Angela-Duckworth-x/dp/1785040189/ref=sr_1_1?ie=UTF8&qid=1484472770&sr=8-1&keywords=grit" target="_blank">See the book Grit</a>. Secondly live with a good standard of living but nothing extravagant which is the premise of the book "<a href="https://www.amazon.co.uk/Millionaire-Next-Door-Surprising-Americas/dp/1589795474/ref=sr_1_1?ie=UTF8&qid=1484472896&sr=8-1&keywords=The+Millionaire+Next+Door" target="_blank">The Millionaire Next Doo</a>r". <br />
<br />
A middle class lifestyle is a luxury and there really is no need to overstretch yourself with "luxury goods" trying to keep up with the "Joneses" or "Showing Off". A middle class lifestyle in this day and age means access to cheap world travel, indoor toilets and central heating. These are luxuries in their selves and were not available until recently. Obtaining financial independence just means understanding and applying the following maths:<br />
<blockquote class="tr_bq">
<b>The MAGIC of COMPOUNDING and the RULE of 72</b>. Divide 72 by the rate of return you obtain and this gives the time for the initial amount to double. If you have 50,000 saved and get a 10% return in 7 years you will have 100,000, 14 years 200,000, 21 years 400,000 etc. This is with no additional capital added! Sprinkle some in and this process speeds up dramatically.  <br />
<br />
The secret is that at first you don't see the nest egg grow much - the power of 72 is hidden.  Add in a sprinkling of the ups and downs of the business cycle and it is easy to see this as a deterrent - it is not working....persistence is the key.</blockquote>
<blockquote class="tr_bq">
Secondly how much do you need to live off in FIRE 15,000 per year? This requires an investment pot of around 214,000 returning 7% a year........(too aggressive for me - but it is quite startling)<br />
<br />
15,000! This surprisingly goes a very long way when you house is paid for, you live in a country that has good health coverage (providing you pay your taxes) and you have low living costs by SMART living choices. </blockquote>
<blockquote class="tr_bq">
BIG IDEA: Do not be part of the heard, save as much as is reasonable and make sure the money is put to WORK providing an INCOME (<u><b>not a speculation or gamble</b></u>).</blockquote>
To help you visualise how this all works I have updated my financial independence time line planner with new budget and spending tracking sheets (excel spreadsheet).<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://sites.google.com/site/lifeplanltd/home/TimeLine_Financial.xls?attredirects=0&d=1" style="margin-left: auto; margin-right: auto;" target="_blank"><img alt="TimeLine_Financial.xls" border="0" height="152" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTBQKRWQKsRKNedGhHOJJVCFo3JLHg5MPBwzo4ov_OUHZ1ieUjW1sDEzq68J1F1XIIADEn94hctjbwFeQyg-IH757skuxLaO31qey9E3L8Ja94n-zOFnS_pQ28QWxpyJis-uYshHwpvp7_/s400/Timeline.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Click on picture to download expense tracking, review, budget and financial time line*</td></tr>
</tbody></table>
<h2>
Can it really be so easy - if so why don't more people do it? </h2>
First up were are told it is not possible - daily. Retirement has been dolled up over the years as golf, beach, cruises. All of this is a massive sales job. Before you now it <b>big bucks</b> are needed in your pension plan (a million dollars or more in today's money). Don't believe this PROPAGANDA.<br />
<br />
These numbers are a natural brake on people retiring early. You get your pension projection in the post giving a pension estimation at 65. Usually falls short of your expectations and encourages you to add more funds. <br />
<br />
<b>Message:</b> Just keep on contributing (and paying all of those lovey fees that drive the pension industry)! This leads to<br />
<br />
<b>Behavioural change:</b> This perception management encourages irresponsible spending. <br />
<blockquote class="tr_bq">
"I am paying into a pension so I will spend the rest - this is fragile thinking"</blockquote>
Saving slowly and squandering the rest on a consumerist lifestyle, of junk whose value generally returns to its intrinsic worth of zero over time as it becomes broken, worn or obsolete, keeps you on the treadmill of salary, taxes and fees. Don't FALL for it!<br />
<br />
This vicious circle sets high spending expectations in retirement hence the need to save more. We live VERY comfortably on what is deemed a poor family income in France as we have NO DEBT, NO LIABILITIES and LOW FIXED COSTS.<br />
<br />
Whats even worse is there no real guarantee of a good pension payment at the end of your working life (think low returns, unfunded liabilities and inflation). I firmly believe this will leave a lot of people in a bad position in the years ahead as we are starting to see in the <a href="https://en.wikipedia.org/wiki/Pensions_crisis" target="_blank">US with state pension funds in crisis</a>.<br />
<blockquote class="tr_bq">
<b>BIG IDEA</b>: <u>Everybody needs to be an active manager in their own pensions. Have a plan and a set of pension goals and accept these change over time.</u> </blockquote>
Unfortunately this skill set is not part of the education system which is a topic for another day. I will just question why were are pushed out of the education door, to get on with it, without some basic life skills such as budgeting and planning.<br />
<br />
The only way you get these skills are if you are lucky enough to have parents who have filled in the gaps (financial and emotional intelligence to name but two). You have a fascination with making it big or have a mentor of some sort. Knowing the GAME early makes ALL the difference to your future.<br />
<h2>
Hyper-Normalisation - is there a retirement trap brewing?</h2>
To compound the issue that returns are not knowable in advance.<br />
<br />
Things could dramatically advance just think of free renewable energy for all, new industries crop up overnight that revolutionise the world economy and we all get an iRobot each, eliminating the need for hard work and the ability to fund a living wage for all. <br />
<br />
On the flipside to utopia we need to consider a few stumbling blocks (until we get our robot;).<br />
<br />
One potential issue is that current asset prices and projections are based on<b> perpetual growth</b> calculations. We buy productive assets to pay for our pensions whose price is determined by predicted growth as measured in GDP and profits. These projections are based on historical "norms".<br />
<br />
As we all know from history classes and current problems in countries; Argentina, Greece and Venezuela - upheaval can occur in any country devastating the "normal growth mantra", currency value and pension pots very quickly.<br />
<br />
Secondly we have no real <b>leadership </b>in the world - challenging the status quo and changing our path to a brighter future.  Leader holy grail is to keep inflation (confiscation) around 2 percent and growth in GDP of 3 percent and debt growing into an even bigger Godzilla than it is now......?). Nothing really changes. <br />
<blockquote class="tr_bq">
Growth has been great but time is running out on this model - back to the rule of 70 (divide 70 by the percentage growth rate to give the doubling time) - at 3% growth the GDP would double in 23 years. <u>Twice as much of everything</u>...!!! yet we live on one planet and there are some serious restrictions to this thinking.</blockquote>
<br />
Considering most pensions are based on tracker funds which "diversify" risk buy owning a bit of everything surely this is a problem when we can't have everything when <b>scarcity </b>kicks in. Will luxury goods companies be top of peoples shopping lists? Will people pay for stuff they don't really need in this circumstance? Will society change where conspicuous consumption and keeping up with the Joneses is no longer seen as socially responsible? What happens when cheap debt is no longer available?<br />
<br />
Another potential car crash for pension promises is that we are all living longer. <b>Demographics </b>are terrible in major economies (ageing society, less workers per retiree). Populations are highly unlikely to grow at 3% a year....<br />
<br />
People stop spending in later years. They sell investments and assets to pay for their living costs - no GDP growth here then either.<br />
<br />
But wait we can just print GDP right.....It's just logical - we currently have already bankrupt public finances and pension entitlements to pay just <b>QE it</b> (the law of supply and demand does not apply), <b>NIRP it</b> (negative interest rates what the!) it to make people spend and soon to be <b>helicopter it</b> (give people the money directly).<br />
<br />
There is no real growth here just accounting tricks and boon dongles to keep us hyper-normalised. Slowly boiling the frog. <br />
<br />
We are looking at a step change in humanities approach to retirement and entitlements. A new deal will eventually be forced upon us. <br />
<br />
Future retirees need to be smart and understand their investments instead of a docile awaiting a check at the age of 65+. Their wad has to be structured in such a way to ride out risks and change to real future conditions of an ageing society consuming one rapidly depleting planet. It need to generate surplus instead of being "drawn down" only then can you be confident to splash out.<br />
<b><br /></b>
<b>This is even more important for people considering FIRE (or FISH :)). Empires rise and fall, companies collapse and new ones are borne. We need to be </b><b><b>informed, </b>nimble, reactive, critical and opportunistic to have so many years not reliant on our labour. </b><br />
<br />
<blockquote class="tr_bq">
<b><b>BIG IDEA: "<u>Hope for the best and plan for the worst</u>" </b></b>Financial Independence must have INCOME above OUTGOING with continued SAVING and INVESTING. <br />
<br />
Seeking Happiness means RESILIENCE building and RIGHT SIZING ones LIFESTYLE to a changing society to survive many years free from working for the man or looking. HAPPINESS is NOT looking over your shoulder each day.<b><b> </b></b></blockquote>
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I have a couple of people I want to mention who are doing great work in thearea of building resilience:<br />
<h2>
 Fragile, Rhobust, Antifragile - Nicolas Taleb</h2>
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<tr><td style="text-align: center;"><a href="https://images-na.ssl-images-amazon.com/images/I/31PyTZdiN-L._UX250_.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://images-na.ssl-images-amazon.com/images/I/31PyTZdiN-L._UX250_.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: Amazon</td></tr>
</tbody></table>
I have been a fan of Nicolas Nassim Taleb since reading his "Black Swan" book. He has followed this<a href="https://www.amazon.co.uk/Antifragile-Things-that-Gain-Disorder/dp/0141038225/ref=sr_1_1?s=books&ie=UTF8&qid=1484474288&sr=1-1&keywords=antifragile" target="_blank"><i><b>anti-fragile</b></i></a>. As I have read it it implies being able to make good by embracing risk and making sure shocks don't really hurt you.<br />
up with a book on a form of robustness which he calls <br />
<br />
I have a few takeaways from his work<br />
<ol>
<li><b>Specialism </b>can be very dangerous - what if your job becomes obsolete - can you do other things \ have other skills?</li>
<li>Having all your <b>eggs in one basket</b> is just waiting for someone to knock it over - "safe index low cost funds", stocks, bonds etc.</li>
<li>Being <b>part of the herd</b> will lead you over the cliff - leading a debt based consumerist lifestyle makes you fragile</li>
<li>Taking <b>calculated risks</b> makes you stronger </li>
</ol>
<ol>
</ol>
<h2>
Peak Prosperity - Chris Martinson</h2>
<ol>
</ol>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://images-na.ssl-images-amazon.com/images/I/514%2Bkx0vKaL.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://images-na.ssl-images-amazon.com/images/I/514%2Bkx0vKaL.jpg" width="213" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: Amazon</td></tr>
</tbody></table>
Secondly I have followed the work of Chris Martinson and his Crash Course which I highly recommend you watch on his website <a href="https://www.peakprosperity.com/" target="_blank">Peak Prosperity</a>. This shaped our thinking on early retirement, investing and the need for self sufficiency. After all stopping work at 37 and providing for our family until we pass can be a very long time and lots of "Black Swans" can be lurking in the shadows.<br />
<br />
Chris covers risks from the three E's. <b>Economy </b>(massive build up of debt). Reliance on depleting fossil <b>Energy </b>supplies (and resources in general) for day to day life. How we need to look after the <b>Environment </b>we live in which provides us with our nourishment (soil building, wildlife (bees) for pollination, water etc. His latest book <a href="https://www.amazon.co.uk/Prosper-Prepare-Future-Create-Inheriting/dp/1937832767/ref=sr_1_fkmr0_1?s=books&ie=UTF8&qid=1484474351&sr=1-1-fkmr0&keywords=prosper+chris+martinson" target="_blank">"Prosper"</a> is a great resource. <br />
<h2>
More reasons to be ANTI FRAGILE in Retirement</h2>
<b>External Surprises </b>- Life has a funny way of punching you in the
 face. All is fine then wham - the car is written off, you break an arm 
or lose big on your investments. There can be an external shock 
completely out of your control such as war, demographic crash, capital flight and times of deflation and inflation.<br />
<br />
<div style="text-align: center;">
<b>This is relying on MULTIPLE DIVERSE sources of income is a must.</b></div>
<br />
<b>Challenge and happiness</b> - Taking FIRE
 to live in a modern villa with no way to be a bit self sufficient, the 
bills just covered and a rosy outlook for investment returns is anti fragile and can get you
 in deep trouble quickly. Sitting in the sun and going for your daily swim can become stale quickly, as humans we need to keep moving or wither.  <br />
<br />
<br />
<div style="text-align: center;">
<b>You make your own luck and happiness through hard work, continuous learning, making
 the hard choices. All of these must continue throughout life - its what life is
 about, makes you want to get up in the morning and puts a smile on your
 face. I did that!</b></div>
<br />
<h2>
Retirement - use it to build inter-generational Wealth</h2>
Our aim is the continuous accumulation of wealth. We want to be able to pass on the knowledge we have to our children so they can do the same for their own. Why? Well the ability to control your freedom is in my opinion a major part of happiness - choosing what you want to do. Money and assets allow you to take risks, build a business out of a passion, make value for the people around you.<br />
<br />
Having a framework that makes sure you have real title to assets, legally avoid inheritance taxation (think farmland, 100+ year old antiques, passing assets on before they get taxed) is a real legacy for FI seekers. Building a business to hand over or sell in "retirement" provides a spark to your life, a reason to get out of bed, challenge yourself and keep your self healthy (heath is mental and physical and is WEALTH)<br />
<br />
Draw down of assets in retirement is what the state wants - not what you want! That way the next generation have to get to work for the man to pay their taxes.<br />
<br />
Why should we just accept this? This type of FIRE is not leaving a legacy behind. It is giving it to the state to squander on its latest pet project. By all means pay you fair taxes I have no problem with that but WILLINGLY give up your CAPITAL at the EXPENSE of your family is another issue all together. <br />
<blockquote class="tr_bq">
<b>BIG IDEA</b>: Financial independence is about leaving a legacy of inter-generational WEALTH and KNOWLEDGE.</blockquote>
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In <b>part 2</b> of this post I will go through the modest steps we are taking to be anti-fragile and build inter-generational wealth for our family. <br />
<br />
<ol>
</ol>
<ol>
</ol>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://sites.google.com/site/lifeplanltd/home/TimeLine_Financial.xls?attredirects=0&d=1" style="margin-left: auto; margin-right: auto;" target="_blank"><img alt="Finacial Time Line Planner" border="0" height="152" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1_UvAsfYu6nhtyt5mABN2Npg1FjvH88PiJ8ComrXLb1cG2MY_2x4Pw48UB7-d0r52ebSWoYMI3N2J1eno7QF4wgSfunnBecJPeV8LMRF84W3iuTxUFl2odOAG9h4QbAWb2GHhK_AiN39w/s400/Timeline.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Create a FI plan today*</td></tr>
</tbody></table>
Peace, prosperity and happiness<br />
<b>CoNTeNDeR</b><br />
<br />
<br />
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* Inevitable legal disclaimer. Everything on this site is intended for entertainment purposes only. I take no responsibility for its use.

Fragilista - Part 1

Our very fragile sink - we are chucking everything at the kitchen sink of 2017 to make it as successful and anti-fragile as possible W...

Richiitis Life

Contender 2 financial freedom, financial independence, Happiness, health, spending 11:40

<h2>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUOTXIpSBcCAYZMhIYJMYkGCOQHIdbuMmrrsaHEX7fSU-c1Buz8xOvj_FlB3x0xyPELr9pvDah2e8AFb9vNXn6ySRFuAVLp6sUjW1-EbRImZFPUwEdEzGTgDCLoxmaY1NZwxkUpeLf9Vhp/s1600/DSC_0180.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUOTXIpSBcCAYZMhIYJMYkGCOQHIdbuMmrrsaHEX7fSU-c1Buz8xOvj_FlB3x0xyPELr9pvDah2e8AFb9vNXn6ySRFuAVLp6sUjW1-EbRImZFPUwEdEzGTgDCLoxmaY1NZwxkUpeLf9Vhp/s320/DSC_0180.JPG" width="212" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Puilaurens Cathare Castle </td></tr>
</tbody></table>
</h2>
<b>I haven't posted for 3 whole months! Tut, Tut, Tut... </b><br />
<ul>
<li><b>Response to readers question - what have we been up to.</b></li>
<li><b>Considered selfishness - get our house in order</b></li>
<li><b>Richiitis in the west - wasting wealth</b></li>
<li><b>Ideas to control spending </b></li>
</ul>
<h2>
Whats up?</h2>
In response to a readers question, on what our new lifestyle is like in the Sunny SW of France, here are a few things we have been up to:<br />
<ol>
<li><b>HEALTH </b>- we have changed our diet to Vegan - after watching and reading up on the health benefits we decided to switch. We have only changed to Vegan at home. When we go to a party or eat out we just try to choose a healthy choice on the menu event if it is not Vegan. <br />We are relaxed about this approach and enjoying exploring new recipes: </li>
<ol>
<li>The food is great and our veggie patch and fruit trees have started providing us with loads of tasty meals.</li>
<li>We are definitely healthier. I can fit in to my old jeans \ more energy!</li>
<li>Our monthly shop we believe has dropped from $550 to $440 for our family of 4. Fantastic - more free money for holidays and the house. Dairy and meat is expensive.</li>
</ol>
<li><b>WORK </b>- We have been working hard on our grounds. </li>
<ol>
<li>Cutting and splitting wood</li>
<li>Installing a gravity water feed line from our natural spring to the 
vegetable patch and new poly tunnel. This has reduced our metered water 
consumption dramatically.</li>
<li>We are in the process of hooking up the well to the house as well 
and can then feed one of the toilets and the utilities will well water.</li>
<li>We are installing a solar off grid system. This will feed a few "eco" plug points in the house <br /><blockquote class="tr_bq">
These reduced our monthly outlays by a modest $80 a month which can go straight to savings \ fun money. <br />
<br />
If we were to save and invest for the equivalent amonunt.... Before tax we would need ~ $94 invested at a return of 4% this would require $28,000 invested. We have spent ~ $2000, time and effort to set this up.  </blockquote>
</li>
</ol>
<li><b>PLAY </b>- holiday time in the SW of France</li>
<ol>
<li>We live in a tourist area full of outdoor swimming lakes and historical castles and market towns.</li>
<li>Our garden is great! Loads of space to entertain and read in the deck chair overlooking the beautiful French countryside. </li>
<li>Each market town has a festival in the summer from Flamenco dancing and Jazz to Pyrotechnic spectacles, wine and local food to name a few.</li>
<li>Holidays are now a short drive to places such as the amazing city of Carcassonne, The mediterranean or Atlantic sea (3hrs in the car) or the Pyreneese Mountains and Spain (2-3 hrs)</li>
</ol>
</ol>
<h2>
Considerate Selfishness</h2>
I recently given a book written by <a href="http://www.randygage.com/blog/" target="_blank">Randy Gage</a> where he talks about a form of considerate selfishness as being a good<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSXwXp9ihGUDlRqVuGrPzRMRVxSicry0wSybNWZg-o24gzPjd1Y2mOW6Np2Fk_SKQepLjOjpmrxF_WZvj2LUUJw1UHLioEZ3vXwxZhIOsWXz0ZFML4p-IhrfycNKFkrv375ox02L1g2Be0/s1600/DSC_0186.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSXwXp9ihGUDlRqVuGrPzRMRVxSicry0wSybNWZg-o24gzPjd1Y2mOW6Np2Fk_SKQepLjOjpmrxF_WZvj2LUUJw1UHLioEZ3vXwxZhIOsWXz0ZFML4p-IhrfycNKFkrv375ox02L1g2Be0/s320/DSC_0186.JPG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="https://en.wikipedia.org/wiki/Collioure" target="_blank">Collioure Fortified Port on the Med </a>- great resturants and beaches</td></tr>
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thing??!! WHAT?<br />
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It's premise from what I could gather is you need to look after yourself first, do not be a burden on others. Once you are sorted then you can make better choices for the people around you, the community and the planet.<br />
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The TRiBe "selfish" approach allows us to be partially self sufficent. We use local resources (wind,sun ,wood and food). Have local holidays. It allows us not to be reliant on others to help us.<br />
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Selfishness allows me to write this blog. We can spend time 
to read, play with the kids, help them with their homework and hopefully
 pass on some real life skills.<br />
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We are free to allocate our time to what is needed from kids, parents, neighbours, garden, house and even start our own business.<br />
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If that is what "considered selfishness", compared to being overly reliant on a pay check, government, banks, debt, local shops and piped in utilities, we consider it to be a good thing.<br />
<h2>
Richiitis</h2>
This brings me to the point of today's post which I started penning around Christmas. The "considerate selfish" topic goes nicely with a look at our living standards in the West. Our large average income, compared to the rest of the world, gives us huge opportunities such as "Early Retirement" or spend it!<br />
<h2>
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One of those spend it moments comes once a year - Crimbo??? It is summer holiday time just bear with me please.....<br />
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Christmas is a great example of how lucky we are. We go to parties, indulge in food and drink and filling our homes with presents. Did you have a good time? Now here we are in summer time and splashing out on air travel holidays.<br />
<blockquote class="tr_bq">
<a href="http://www.dailymail.co.uk/news/article-201950/Britons-spend-868-Christmas.html" target="_blank">“Britons 'to spend £868 on Christmas </a><br />
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Overall people will spend an average of £178.57 (~$270) on food and drink, £29.59 (~$45) on decorations and accessories and £17.02 (~$25) on Christmas cards and postage. <br />
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Two-thirds of people expect to pay for the cost of Christmas using savings and 9% said they would use a credit card or loan, but 19% of people admitted they failed to budget for the festive season.” </blockquote>
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Now let’s consider our real situation in the west. Stand back and look at us from the eyes of the rest of the planet. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT2_bpRlPa4CvASYF01HnuTnKXttJ_4ouhIonQNtpw3-N-pnT3A3N95V3UIoseOsf76cTETQ_B3amIzm-PrimsDaRvwf1q8kDVbnHM0YXJW1pVUvN1scxd_DE_6WeZSYIKq86GeKva6K7r/s1600/WellBeingGraph.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjT2_bpRlPa4CvASYF01HnuTnKXttJ_4ouhIonQNtpw3-N-pnT3A3N95V3UIoseOsf76cTETQ_B3amIzm-PrimsDaRvwf1q8kDVbnHM0YXJW1pVUvN1scxd_DE_6WeZSYIKq86GeKva6K7r/s400/WellBeingGraph.png" width="400" /></a></div>
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<a href="http://www.givewell.org/international/technical/additional/Standard-of-Living" target="_blank">givewell source  </a></div>
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<blockquote class="tr_bq">
<a href="http://www.worldbank.org/en/news/press-release/2008/09/16/new-data-show-14-billion-live-less-us125-day-progress-against-poverty-remains-strong" target="_blank">“New Data Show 1.4 Billion Live On Less Than US$1.25 A Day”</a> </blockquote>
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<blockquote class="tr_bq">
So that £868 ($1300) spent on Christmas can pay for almost 3 people in the developing world for a whole Year (1300/456 = 2.85)! </blockquote>
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There are 60 million UK residents. Let’s assume half are spending this money. That is <u>90 million people fed clothed and sheltered</u> in the developed world for a year if we gave or Christmas money away…. <br />
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Looking at us through the eyes of all those people living on less than 1$ a day <u>we must seem unreal</u>. I suppose most don’t know but if they did what would they think? <br />
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Just look at the graph above , the life satisfaction index for the Rich world flattens out at 7. This equates to around $30,000 of income per year for the west. People in countries where income is $10,000 dollars or less are just as happy.<br />
<blockquote class="tr_bq">
Are we spending and wasting too much?</blockquote>
<h2>
Spoilt TRiBe</h2>
In my previous post I outlined our current spending in the region of $21,600 per year (for 4 of us) a whopping $18,600 more than a working couple from Vietnam! What does that extra income give our TRiBe? <br />
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What we consider important goods and services that make our lives much easier. We have lots of machine workers such as the washing machine, taxes (roads, bins, police etc.), motorised transport, access to good education and health care. (around $10,000)<br />
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We can easly buy food from around the world at a cost of around $6,600 per year. The rest is entertainment, housing decoration and holidays (around $4,800). Hardly necessities. <br />
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We try to be frugal... In perspective even if we cut down some of our discretionary spending it is still +100's percent higher than the majority of the planet. <br />
<h2>
Being thankful for our lifestyle </h2>
Yet being “frugal” in Western speak in this day and age still relates to a much higher standard of living still. <br />
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All of the extras are not really needed, they are indulgences and sugar highs. Losing them would make little to no difference to our Life Satisfaction. <br />
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We need to “Count our Chickens”, “Reflect on how lucky we are” and “understand things could be much, much worse” than worry about trivial things. <br />
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Living simpler from food to entertainment makes a lot of sense to our well being and contentment. Taking away temptations and yearnings are be good for us in the long run. If we stand back and have a good look at ourselves isn’t it obvious eating ourselves to death is just plain stupid? <br />
<blockquote class="tr_bq">
<a href="https://www.youtube.com/watch?v=aPTjtZ31lwk" target="_blank">“I’m looking at the man in the mirror” – Michael Jackson </a></blockquote>
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Work too hard for too long, to pay for more stuff,  stresses ourselves and damages health. <br />
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Why live in a polluted environment. Why consume junk cluttering and over stimulating and polluting yourself. Utimately this impacts everyone around us. It has a resourc, energy, transport and ultimate disposal cost.<br />
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Presents are meant to be an exception to the norm. Treats are treats because they are infrequent. Entertainment is more stimulating when it is new, infrequent and different. <br />
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This is why delayed gratification is MORE SATISFYING and makes you HAPPIER. <br />
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Being healthier = MORE ENERGY to do interesting and fun stuff enriching our lives. <br />
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So if we in the west can stop acting like spoilt brats perhaps we would all be happier and healthier instead of consuming ourselves into debt, unhappiness and early death? <br />
<h2>
Ideas to simplify, be frugal save and be healthy </h2>
<ul>
<li>Track all your spending and keep supermarket receipts</li>
<li>Each month calculate what you have <b>spent </b>on key areas such as food, transport, entertainment then CRITISISE you’re spending.</li>
<ul>
<li>Did the <b>item </b>really make a difference to you happiness? (e.g. could the film be rented instead of bought?)</li>
<li>Was the spending really <b>necessary</b>? (e.g. could you have walked instead of taking the car)</li>
</ul>
<li>Look in detail at what you have spent of food – how much of it is actually <b>healthy</b>?
 – Try to choose the foods that are good for you and go shopping with a 
list. Only go food shopping after you have had a filling meal.Consider a
 whole foods diet as it has been identified as a way to prevent chronic 
diseases (see the Book <a href="https://en.wikipedia.org/wiki/The_China_Study" target="_blank">The China Study</a> and <a href="https://www.youtube.com/watch?v=DZb-35oV_7E" target="_blank">film Forks over Knives</a>) </li>
<li> If you can live on less you can <b>retire </b>on less - be a considerate selfish person and go for early retirement. Living on less means </li>
<ul>
<li>you need less saved money for retirement or </li>
<li>a lower return on more environmental friendly income</li>
<li>It opens the opportunity to work for a much<b> lower income</b>, working from home or less hours. </li>
<li>Perhaps working for yourself on a planet or human friendly business idea </li>
</ul>
</ul>
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Try considered selfishness today??!!:)<br />
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Peace, prosperity and happiness<br />
<br />
CoNTeNDeR<br />
<br />
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Richiitis Life

Puilaurens Cathare Castle I haven't posted for 3 whole months! Tut, Tut, Tut... Response to readers question - what have we bee...

Being the best

Contender 0 Critical Thinking, fear, Habits, Happiness 09:01

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" 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" /></a>In life being the best has a lot more to it than a high IQ a trophy degree or even good looks. Skills are developed to be an individual (in school) whilst often being pandered to (at home). Admittedly, perhaps, this is a more modern phenomenon. As we have got wealthier (work harder and longer) our kids can be afforded an "easier life" and be outsourced (nannies and media entertainment). This is not providing them with the skills to be the best.<br />
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Key social skills are not developed in this false, individual, pandered environment. To be the best a large swathe of personal and social skills need to be developed. Here are some of the desired skills listed in the book for kids "How kids Fail"<br />
<ul>
<li>Confidence</li>
<li>Curiosity</li>
<li>Self control</li>
<li>How you relate to other people and understand their point of view (do not jump to conclusions)</li>
<li>Communicate (Listen, clarify, understand, empathize)</li>
<li>Cooperativeness</li>
</ul>
Key work / personal skills should seek to instill:<br />
<ul>
<li>Be positive about everything and everyone </li>
<li>Always do your best</li>
<li>Always look to improve</li>
<li>Always ask what you can do better (not what you have done well) \ collaborative</li>
</ul>
These skills help to develop a rounded, grounded, confident, go getting individual:<br />
<ol>
<li>good social skills</li>
<li>no dwelling on past mistakes (just learning not to repeat them)</li>
<li>forward looking and suppression of wasteful negative thoughts </li>
<li>a can do (and will do) attitude</li>
<li>taking responsibility instead of being a victim seeking excuses.</li>
</ol>
Acting this way will open doors of opportunity no matter who you are and what age you are. They make you a valuable person. Financial reward will follow and then you can decide what you want to do with it.<br />
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Even better still you will already have a plan, goal and desires already mapped out giving life direction and purpose (goals).<br />
<blockquote class="tr_bq">
None of this is easy. I personally have only developed some habits recently. I have to constantly remind myself of my conduct. I often fail and have to try harder.<br />
<br />
I can easily critisise my conduct in the past. I sincerely regret some of it and have spent lots of time kicking my-self. Thankfully I have learnt to move on. Did I learn from my mistakes? In some ways yes. </blockquote>
<blockquote class="tr_bq">
Now something goes off in my head that says stop when I am going to do something stupid. All those past mistakes needle me to stop and change course. Is that what wisdom is learn from loads of past mistakes.<br />
<br />
I guess the more mistakes you make when you are young the better. Mistakes early are a blessing. Generally the don't have dire consequences either. </blockquote>
<h2>
Develop some habits?</h2>
<ul>
<li>Listen, Pause and think before replying. If you are unsure wait until tomorrow especially when angry.</li>
<li>Learn to be critical of yourself and ask what would I do different next time.</li>
<li>Have goals and a plan well into the future</li>
<li>Identify and make friends with the right people - positive, happy and energetic types whilst avoiding the wrong type of people - negative, excuse driven individuals.</li>
<li>Read and learn from philosophers, strivers, thinkers, go getters and people who have faced adversity and won.</li>
</ul>
<h2>
We have TIME on our side</h2>
Thankfully we ALL have TIME to make changes and that is a gift we have to use. If something is not working do something about it. Quit, move, fix and buckle down to some hard work.<br />
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Some reading ideas:<br />
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Stephen Covey:7 Habits, 8th Habit, 3rd Way<br />
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The Magic of Thinking Big<br />
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<a href="http://ecx.images-amazon.com/images/I/41Wrq1U0PIL._SX317_BO1,204,203,200_.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="http://ecx.images-amazon.com/images/I/41Wrq1U0PIL._SX317_BO1,204,203,200_.jpg" width="127" /></a></div>
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How Children Fail<br />
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Being the best

In life being the best has a lot more to it than a high IQ a trophy degree or even good looks. Skills are developed to be an individual (in...

Earnymore V Frugalizm

Contender 0 Critical Thinking, Debt, Dividends, downshifting, Early Retirement, Finance, Planning 08:47

<table cellpadding="0" cellspacing="0" class="tr-caption-container tr_bq" style="float: left; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGEtdP6mYX-UMyH2gi-MI5ba_cDcBR5VZB2rTnEcXUht2SwoO59Y-MWR_Xs00oRmWGHdOiM7SqZNpma3s_9d5lF2ewQA7c2RmOgpgzNOkmcIBVSyEyUDMFniGXKLGlnK9gZNRpOyzEYcqd/s1600/Chicago.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGEtdP6mYX-UMyH2gi-MI5ba_cDcBR5VZB2rTnEcXUht2SwoO59Y-MWR_Xs00oRmWGHdOiM7SqZNpma3s_9d5lF2ewQA7c2RmOgpgzNOkmcIBVSyEyUDMFniGXKLGlnK9gZNRpOyzEYcqd/s320/Chicago.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">View of Chicago from Sears tower on business trip – a great city,<br />
blues music and ice hockey </td></tr>
</tbody></table>
<h2>
Should I Just Earn More and Carry On As “Normal”? </h2>
I read a comment the other day stating it is not being frugal that will get you to financial independence early it is <u>earning more</u><br />
<blockquote>
"I believe that wealth comes from creating more income, not reducing costs" <a href="http://www.alexisassadi.net/2014/05/23/became-financially-free-26-part-1/#sthash.TG3RMhje.dpuf">alexisassadi</a><br />
<br />
I’ve been focused on making passive income since I was in my early 20’s.  When I was 24 years old, I became financially free and was making around $60,000 per year from my online businesses. <a href="http://projectlifemastery.com/become-financially-free-first-then-get-rich/">projectlifemastery</a></blockquote>
Live normally and get rich has a nice sound to it. Being frugal on the other hand could alienate yourself from the people around you, you will miss out on a normal life? "<i>Live for today as there might not be a tomorrow</i>!" is very true; thankfully the odds are in your favor.<br />
<ul>
<li>Should we earn more and carry on as 'normal'? </li>
<li>What happened to the TRiBE when we became frugal crazed savers<b><br /></b></li>
<li><b> Should we live like yesterday - a living cost comparison</b></li>
<ul>
<li>A look at average living costs - are they normal or wasteful?</li>
<li>A look at the cost of housing - likely to be your biggest expense</li>
<li>A look at wages, wage earning curve and taxes</li>
<li>A comparison of the numbers between the TriBe and carrying on as average</li>
</ul>
<b>
</b>
<li>Why earning more, being partly frugal and adjusting your lifestyle may be a better approach to financial independence</li>
<li><b>Some ideas to earn and save more </b></li>
</ul>
<h2>
Being Frugal and Seeking Financial Independence did impact the Tribe</h2>
From first-hand experience the Tribe understands that being frugal does impact relationships and the way you live day to day for instance: <br />
<ul>
<li>We did not have our own property (read have a huge mortgage) in a desirable London location like friends with similar incomes. </li>
<li>The rental property was not what we desired nor filled with furniture we liked and owned.</li>
<li>We did not buy expensive things, making do with an old car "out of date" gadgets. </li>
<li>We went on reasonable holidays that we planned and booked ourselves</li>
<li>We did not pay for a nanny or private schooling. </li>
</ul>
What we had gained was: <br />
<ul>
<li>We had no debt and shunned credit cards.</li>
<li>We saved over 50% of our salaries</li>
<li>We could afford to loose \ quit our jobs and still pay the rent </li>
</ul>
When we talked about why we "shunned" the expensive lifestyle and our plans to retire early we had some comments such as: <br />
<blockquote class="tr_bq">
“That is impossible and reckless.”<br />
“Why would you ever want to do that?” </blockquote>
Conversation was quickly changed to the weather, kids or sports game. Ho hummm...and you have missed out on:<br />
<h2>
Should we have lived like its 1999?</h2>
<br />
Keeping to a modern lifestyle is very comfortable compared to the fairly recent past. We have access to exotic restaurants, films, gadgets, sports, designer goods etc. Everyone likes these things including us. <br />
<br />
Our modern living is easier. We buy meals instead of making them, rely on cars and services. Gas and electricity is piped to our homes helping us save amazing amounts of time. Washing machine anyone - possibly the biggest time saver ever?<br />
<br />
Our productivity and wages go much further and we spend it and boy do we know how to party. It is all so convenient and easy – just hand over money in exchange for stuff and experiences. <br />
<br />
All this comes at a cost as MONEY = TIME (working) and LIFE = FINITE AMOUNT OF TIME. There is a key trade off here about lifestyle and free time.<br />
<br />
So what does this consumer lifestyle look like: <br />
<h3>
<b>Average Household Living Costs in the UK (multiply by ~1.5 for Dollars)</b></h3>
<div style="text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjIkTSrbHz-Sk4pjg6G08Sz0Xq8ouSS_uzI71qiLsrq50vo-7HqK0vbxTI9g8lP5Biyx8TCPMo9jMR5Esx0pjdlSODucI2faSypX4jdtVhknsV2z_pRLYkWZn_e9TvvqZQMSP5FjQber6B/s1600/UK+Spending.JPG" imageanchor="1"><img border="0" height="390" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjIkTSrbHz-Sk4pjg6G08Sz0Xq8ouSS_uzI71qiLsrq50vo-7HqK0vbxTI9g8lP5Biyx8TCPMo9jMR5Esx0pjdlSODucI2faSypX4jdtVhknsV2z_pRLYkWZn_e9TvvqZQMSP5FjQber6B/s640/UK+Spending.JPG" width="400" /></a></div>
Source: £531 per week (~$800): Source ONS and <a href="http://www.telegraph.co.uk/finance/personalfinance/12038850/How-much-does-the-average-household-spend-each-week.html" target="_blank">Telegraph </a><br />
<br />
Average household size (number of
  people): 2.37    Source: <a href="http://www.ons.gov.uk/ons/taxonomy/index.html?nscl=Household+Composition+and+Characteristics#tab-data-tables" target="_blank">ONS</a><br />
<h3>
Average House Prices</h3>
<img alt="See original image" height="400" id="il_fi" src="http://i.dailymail.co.uk/i/pix/2008/09/05/article-1052769-028A71EB00000578-610_468x668.jpg" style="padding-bottom: 8px; padding-right: 8px; padding-top: 8px;" width="280" /><br />
Source <a href="http://www.dailymail.co.uk/news/article-1052769/The-map-reveals-long-wait-house-price-recovers.html">http://www.dailymail.co.uk/news/article-1052769/The-map-reveals-long-wait-house-price-recovers.html</a><br />
<h3>
Average Wages and Wage Curve</h3>
<img alt="" height="457" src="data:image/png;base64,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" width="640" /><br />
<a href="http://www.ons.gov.uk/ons/dcp171778_385428.pdf">http://www.ons.gov.uk/ons/dcp171778_385428.pdf</a><br />
<h2>
TRiBe Comparison </h2>
In my <a href="http://getintheringwithme.blogspot.fr/2015/12/2-years-of-financial-independence.html" target="_blank">last post</a> I detailed the current spending costs of the TRiBe. There are four of us.<br />
<br />
<div style="text-align: center;">
<b>Living costs</b></div>
<br />
- The <b>average cost of living</b> in the UK for a family of four (excluding rent \ mortgage) is 3,222 Euros per month<br />
<br />
<span style="color: #45818e;">- <b>Our cost of living</b> is around 1,200 Euros Per month.</span><br />
<blockquote class="tr_bq">
<i><span style="color: #45818e;">This is a <u>huge difference</u> due to these main factors: low transport costs (no work commutes and cheap runner), owning our property outright, efficient energy solutions, growing some of our own food (the fruit trees are amazing) living somewhere which is a holiday.</span> </i></blockquote>
<br />
Using the crude calculation that you need 25 times your annual cost of living to retire (I would personally use a higher number) and the cost of buying a property you need these investment pots saved up:<br />
<blockquote class="tr_bq">
25 times the UK cost of living (minus rents) to carry on as usual + House Purchase = 3,222*12*25+200,000 = 1,166,600 Euros<br />
<br />
<span style="color: #76a5af;">25 times the TRiBe cost of living + House Purchase = 1,200*12*25+200,000 = 560,000 Euros</span></blockquote>
<div style="text-align: center;">
<b>Income, expenditure, saving rates and early retirement</b></div>
<br />
If you carry on as is I would argue your saving rate would be more like 20% on average compared to a family careful with their money saving 50%.<br />
<blockquote class="tr_bq">
A crude calculations (assuming no investmet gain, compound interest and no inflation):<br />
<br />
Lets take average earnings of a family after tax = 39,000 Euros <a href="http://www.bbc.com/news/magazine-15197860" target="_blank">source</a> </blockquote>
<blockquote class="tr_bq">
Saving 20% and carrying on spending as "normal" (3,222 Euros per month) would take 1,166,600 / (20%*39,000) = 150 years! </blockquote>
<blockquote class="tr_bq">
Saving 50% and being careful (1,200 Euros spend per month) world take 560,000 / (50%*39,000) = 29 years</blockquote>
<br />
So carrying on as usual in this case implies you have to work until the government set retirement age to take time out. Now lets double the income it now takes 74 years, trebling gives 50 years. In order to retire early you are reliant on a MUCH HIGHER income and INVESTMENT GAINS.<br />
<h2>
Just earn more can have hidden costs</h2>
As you are gathering I am struggling to see how just earning more is the right answer.<br />
<br />
Carrying on as normal includes purchasing lots of expensive non-essential stuff and services. Yet whatever we buy is not enough (we have been told so). So we earn, borrow and spend more to keep up with the social status of our income bracket.<br />
<br />
Earning more puts us further away from financial independence (TRUE FREEDOM).  <br />
<br />
Carrying on spending “as your social income group” can become like a drug habit that is impossible to kick. <br />
<br />
This ladder of property and stuff has to be paid for and usually at the cost of your health. It usually requires you to <b>work harder for longer</b>. Stress is added due to targets, people management and expectations. A poor diet can be encouraged "entertaining" clients, eating at the desk or a reward for working so hard. Vices (alcohol and cigarettes) are used to relax and socialize. <br />
<br />
<u>Working more takes your TIME away</u>. Time from your family. Time to rest and think.<br />
<br />
<u>MONEY cannot buy back this TIME or HEALTH</u>. <br />
<br />
Continuing to living the same way will not prepare you for true financial independence where your TIME is yours.<br />
<br />
There are many instances where people are too scared to retire because the HABIT and ROUTINE of work is ingrained \ part of who they are. Worse still many people retire followed quickly by kicking the bucket due to the dramatic change in lifestyle and meaning \ personal value.<br />
<br />
<a href="http://www.thisismoney.co.uk/money/pensions/article-3326936/British-workers-expect-retire-four-years-state-pension-age-20k-year.html" target="_blank">British workers expect retire four years before state pension age on £20k a year</a><br />
<a href="http://www.express.co.uk/news/uk/152016/Britons-will-enjoy-20-years-of-retirement" target="_blank">Britons will enjoy 20 years of retirement</a> <br />
<br />
So ask will I really stop? Perhaps I will be so indoctrinated into the system financial independence \ early retirement will be forgotten.<br />
<h2>
Take Back Control </h2>
Going with the system is easy. Be part of the herd. Don’t think go with the flow. This really weakens the control over your life. You have outsourced it to other interested parties, paying a fee for being serviced. Someone else is doing the thinking for you. <br />
<br />
Thinking for yourself on the other hand means taking responsibility for your life. Critical thinking and questioning the status quo will prevent you from handing over hard earned money (TIME) so easily. <br />
<br />
New friends will be made with similar mind-sets who will be there when you need them. You will be there in return. Conversation will be less superfluous (about things outside of your control), less negative and more purposeful. I AM free to do as I please. I AM able to make a difference. I AM happy and content. <br />
<br />
All of these changes reduce stress on mind and body as you become more resilient. <br />
<blockquote class="tr_bq">
So just earning more and carrying on may not be the best way. Start taking back control of your life straight away. Stop keeping up with the Joneses, spending all that hard earned capital that can be compounded for your benefit instead of being spent for someone else. Controlling this urge to spend is true freedom. It makes a resilient, content financial independence transition easier and <u><b>much earlier</b></u>!  </blockquote>
<h2>
Earning and Saving More Ideas</h2>
Earning more does not just mean a better job is can mean investing in income. For example if you can purchase some dividend paying stocks and get paid each year. Compound them up and you income will increase from your savings very quickly. <br />
<ol>
<li>Make sure your savings are working for you – safely! interest in a cash account or invested in blue chip dividend paying stocks or bonds? Read, learn how to invest and be informed. You are the best person to make these decisions. There is a raft of advice out there but most of it is a sales job. Risk, diversification (types of investment and currencies) and fees are major drives of wealth generation. Speculation is just for a small part of a portfolio that you are willing to loose.</li>
<li>If you have a hobby can you monetise it (renovation of old furniture for example)? What about a small home sales business – find a product, import it and sell it on line.</li>
<li>If you have a skill such as DIY why not sell your services as a handyman at weekends and evenings? Just doing things yourself is the same as a salary…?? Make sure you do as much DIY for yourself as possible.</li>
<li>Stand out in work – how can you make your bosses life easier? How can you make your team more effective? Be punctual and well dressed (quirky?). Be positive, helpful and workmanlike. There are many self help books - read.</li>
<li>Ask for a pay rise – if you don’t ask you don’t get!</li>
<li>Register your CV with work websites</li>
<li>How can you maximise your work bonus (are you working on the right things)?</li>
<li>Rent out a spare room </li>
</ol>
<blockquote class="tr_bq">
Earning more is always desirable.  <br />
<br />
Getting ready for a change in lifestyle is beneficial to your sense of freedom, friendships and health You can earn more by spending less and investing in income generating assets  <br />
<br />
Controlling your spending gives you more personal freedom </blockquote>
<blockquote class="tr_bq">
MONEY = TIME  <br />
<br />
FREE TIME = LESS STRESS + BETTER HEALTH + TIME TO THINK </blockquote>
<br />
Just Do It! So what is stopping you from making a small change today? Most changes are not life threatening are they? If something goes wrong it is not the end of the world? Finally if it is not to your liking you are free to do something else. <br />
<br />
Related Posts<br />
<span style="color: blue;"><a href="http://getintheringwithme.blogspot.com/2012/09/fac51-10-reasons-while-frugal-is-cool.html">FAC51 - 10 reasons while frugal is cool - why the f*** not!</a></span><br />
<span style="color: blue;"><a href="http://getintheringwithme.blogspot.com/2012/11/30-rules-of-very-early-retirement.html">30 Rules of Very Early Retirement</a></span><br />
<br />
Peace, prosperity and happiness<br />
<br />
<b>CoNTeNDeR</b><br />
<br />
<b>Welcome New Readers!</b> Please take a look around.<a href="http://getintheringwithme.blogspot.com/p/about-me.html" target="_blank">Click here</a><b> </b>to find out more about <b>THE.TriBe</b> and the blog is or perhaps browse the <a href="http://getintheringwithme.blogspot.com/p/all-posts-get-in-ring.html" target="_blank"><u>all posts list</u></a>, Please feel free to play with the <a href="http://getintheringwithme.blogspot.com/p/muff-tools-and-check-lists.html" target="_blank">planning tools and checklists</a>. If you liked this post can you please spare a few seconds to share it?

Earnymore V Frugalizm

View of Chicago from Sears tower on business trip – a great city, blues music and ice hockey Should I Just Earn More and Carry On As “...

Welcome to FISH !
You have come here looking for answers. How to get out of debt? How to save and invest? How to retire early and how you want to live in retirement.

Well this is the right place for you as out tribe has been through all of these steps. We no longer work for a corporate employer and have saved enough to retire early. How we did this is shared here on this site for you.

Our little tribe found out these secrets to financial independence in our late 20’s. Since then we have taken early retirement, in our late 30's, in just 7 years. We now live in the South West of France with our two young children.

Along the way I decided to share everything I learnt. My articles and tips on aggressive saving and compound investing are there to help you meet your financial goals fast. I discuss ways to help you decide what you want by building a life plan. This helps to work out how to get where you want to be whilst avoiding the pitfalls along the way.

My expertise was built up working in blue chip corporate jobs, extensive reading and putting it into practice. I have condensed this knowledge into simple strategies to help you meet your goals and not those of the bank or the place you work.

There are free planning tools on this site that help you make a life plan. A plan for your future. The tools calculate how to reach your financial goals in a timeline that suits you. The tools help set out your life goals, make them happen and how to exceed them.

There are tips on how to simplifying your life to remove day to day headaches. These include ways to pay off debt fast buy eliminating wasteful spending habits. How to reduce your monthly bills through choices that actually improve your health and wellbeing. Identifying things you don’t need that sap your time and wallet.

There are little sustainability projects to reduce your dependence on shops and utilities whilst saving money to spend on things you want.

All of these little steps will show you how save 50%+ of your salary so you can meet your goal whatever it is. This huge saving rate can be compounded for very early retirement. I am sure you will find something here for you.

Darren Lee (A.K.A the Contender as in my blog)

FISH | Financial Independence Seeking Happiness

Fragilista - Part 1

Richiitis Life

Being the best

Earnymore V Frugalizm

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