Consumerism is Ruining Your Life:

Welcome back to Ease Your Financial Payne! 🙂 My husband and I have been going through some major mindset changes about how we view life, and one of the biggest is how we view having stuff, and how much “stuff” we purchase or, consume. This shift in values has been growing in our subconscious forContinue reading “Consumerism is Ruining Your Life:”

You don’t need a six-figure income to achieve Financial Independence

Hello and Welcome back to Ease Your Financial Payne. There are some major misconceptions that to achieve Financial Independence and/or Retire Early, you need have a household income of $100,000+ and no kids, but I am here to tell you that is totally false. Obviously, if you have a higher income is it easier, butContinue reading “You don’t need a six-figure income to achieve Financial Independence”

December 2020 Financial Update:

Happy New Year! Hope you all stayed safe & healthy while entering 2021 & celebrating (or not celebrating) all of the different holidays that happened in December. I’ve heard a lot of people actually preferred this year’s holiday season over the usual, because they didn’t need to go to lame office parties or see familyContinue reading “December 2020 Financial Update:”

November 2020 Financial Update:

Hello, hope everyone is doing well! It was just Thanksgiving weekend in the U.S. so it was a nice break from work, for a lot of us. I reconnected with a friend this month that I hadn’t talked to in quite a while and we have decided to start a podcast. I’m not going toContinue reading “November 2020 Financial Update:”

October 2020 Financial Update:

Hope you all had a safe and fun Halloween! (if you celebrate it) Also, Feliz dia de los Muertos hoy y ayer! I love October-December with all of the holidays. We kept our spending pretty low in October. We did update our bedroom this month by tearing out the carpet, getting a new light fixture,Continue reading “October 2020 Financial Update:”

10 Ways to Drastically Cut your Spending:

Cutting your spending may seem hard because it feels like you’re taking away things that bring you joy, but is that true? I’m sure you’ve regretted buying something many times, but can you think of a time you really regretted not buying something? (other than experiences like travel). For most people, the answer is no.Continue reading “10 Ways to Drastically Cut your Spending:”

September 2020 Financial Update:

Hello October! This is probably my favorite month. I love Autumn, the changing leaves, Halloween, and so many of my favorite people have Birthdays in this month! Today, I am sharing our September Financial Update. We have some major updates to our financial goals that I will be sharing in this post. We pretty muchContinue reading “September 2020 Financial Update:”

August 2020 Financial Update:

Hello! Hope you are all well. In our personal life, August has been kind of crazy, too much going on. I can’t wait until I’m “done” with my education so I can just focus on work and reconnecting with loved ones. At least this month we did not really spend a lot like we didContinue reading “August 2020 Financial Update:”

July 2020 Financial Update:

Hello all, this month we spent a lot of money on various things for our house. We got a patio added on ($1,800), our ducts professionally cleaned ($650), and refinanced our mortgage! We went from a 30-year fixed rate mortgage with 4.75% interest to a 15-year fixed rate mortgage with 3.125% interest! Our mortgage paymentContinue reading “July 2020 Financial Update:”

June 2020 Financial Update:

Hello all, hope you are all doing well considering the current state of our world. Here is our June 2020 Financial Update: Our Goal Financial Independence Numbers: $900,000 Invested to cover beyond our Living Expenses. $150,000 In Savings for Market Crashes or Emergencies. An HSA we are Maxing out every year while working for MedicalContinue reading “June 2020 Financial Update:”