Jack of All Trades. Master of Many.

Taking a Balanced Approach to Mortgage Payoff and Financial Independence

Over the past few weeks, I’ve come across conflicting information: paying off one’s mortgage early or investing the money one would have used to pay it off early.

Each side of the coin sits firmly in their belief, but they always go back to the choice being a personal choice. Personal finance is a personal matter of not only numbers logic, but emotions.

Don’t think personal finance is significantly emotional? Try and tell someone they shouldn’t have their $7 cup of Starbucks every morning because they could save $2,548 annually and invest that with a return of $36,832.45 after ten years… just for skipping a daily coffee habit. I made that mistake, and the response wasn’t pretty. Continue reading…

There’s Something Fishy with Fish

Another quick update on my testing day with fish on Monday. I had some tuna earlier in the day, and a piece of salmon in the afternoon. I didn’t finish the day with a 3rd serving for full results, but I wasn’t in the mood to eat any more fish.

Within 24-48 hours I had quite a bit of nausea and my eczema flared up again. Good thing I don’t care to consume fish often. This just made me less likely to keep trying to incorporate it into my diet. Continue reading…

Thinking Twice About Tree Nuts

A quick update on my elimination diet: I tested tree nuts last week and found to have a small reaction.

My skin flared a bit about 24 hours later. I didn’t have the full required amounts (I just wasn’t in the mood to eat more than 2 servings). I had a few cashews and mostly pistachios.

I’ll probably test each out individually at a later date, but for right now I’m happy that I can enjoy peanuts again in a few weeks and I’m not as bummed about tree nuts.

Being Frugal Gives You Back Time

When it comes to an invitation these days I ask myself two questions before I respond:

Would I be happy to say yes if this were tomorrow?

Often, it’s easier to say “yes” to an event or responsibility that’s far in the future. I fall into the trap often agreeing to something only to dread it the day or hours before having to show up.

Now, instead of agreeing to everything and back tracking, I wait and decide if it were tomorrow, would I be happy to go?

Would this person expect me to come and need my help?

I wouldn’t want to leave someone in a difficult spot, so if it’s something another person would need my help with, I will more than likely offer my time. Continue reading…