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Shares 180 [As part of our weekly column by of 1500Days.com – a fellow blogger who!] ****** Life is good in retirement. I’m thrilled to have a net worth of which enables me to live my life on my own terms. Instead of answering to Mr. Bossman, I wake up and do whatever I want. On some days, I’ll ride 40 miles into the mountains. On others, I’ll spend hours at the library.

Money is a wonderful facilitator. Sometimes, the money even enables questionable purchases like and. But I digress If I could give you one piece of advice, it would be this: Never stop learning. Once you become stuck in your ways, you become an intellectual deadbeat. I have enough money so that I no longer have to pay attention to it, but I’ll never stop learning. I discover things about money every week that surprise me and make me a better saver/investor. Today, I’ll share some of my favorite money hacks with you.

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I’ll also be sharing questionable underwear choices. Download Everest Ultimate Edition Mais Serial there. Don’t worry, it will all make sense.

(Or worry, because there are pictures!) Money Hack #1: Writing every transaction down Until recently, I never kept track of my spending. A couple of years ago, I started recording every dollar that went in and out.

To state that I was shocked by my spending is an understatement. Autocad Dot Net Samples Siemens Olb Pspice Download Manual. more. Having to answer to a spreadsheet is a powerful behavioral changer. I suggest at least partially automating the tracking which brings me to my next tip: Money Hack #2: Using a spreadsheet to track your spending I created a spreadsheet on Google Drive which adds up my spending as I go. Here is my real spreadsheet from April where I blew a load of money on underwear and travel. At least I’m not wearing them in the picture.

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Money Hack #3: Loving Credit Cards I wade into dangerous territory here. Credit cards are like nukes. Use them responsibly and they do wonderful things. Use them carelessly and: BOOM! People ask me questions like this all of the time: How much should I sacrifice when I’m saving for financial independence? Should I skip vacations? You don’t have to sacrifice anything.

Here is proof: What does that have to do with anything? I took that picture on the Eastern Coast of Kauai where I traveled with my family of four.

We woke up every morning at dawn to watch the sunrise and frolic in the surf. We’d hike and snorkel in the afternoon. At night, we ate dinner on our patio, listening to the waves roll in. In case I’m not painting the picture correctly: It was one of the best weeks of our lives! And the best part?

All four airline tickets set us back less than $200. We were able to do this using credit card points. Now, travel hacking is a voluminous subject. If you’re not learned in the ways of travel hacking, check out the course (free and great!) or J’s with Brad. And if you need a card, you may want to check out. Before you even consider any of this, you must raise your right hand and repeat after me: I will use credit cards responsibly! I will never, ever carry a balance!