• Business Talk,  FIRE Financial Independence, Retire Early

    One Piece of the Financial Freedom Pie-Cutting Expenses

    There’s earning more money, saving more money, and another piece of the financial freedom pie is all about cutting expenses. I probably don’t have to tell you that things have gotten more expensive this year. Don’t know about you, but each time I open a bill, like one from a utility company, a piece of paper drifts to the floor. It’s the one saying they’ll be raising their rates later this year. And it’s not just energy costs. Just the other day, I went online to order some of my favorite green tea (it’s my mid-morning pick me up), and had to blink three times just to make sure I…

  • Business Talk,  FIRE Financial Independence, Retire Early,  working from home

    Should Your Business Come Before Your Life?

    I have a friend, Angela Wills, who started a services-based business and quit her job to pursue it. Within a few months she was overwhelmed, overworked and just plain burnt out. Angela told me she had actually been sitting at her computer for so many hours per day that her muscles had started to atrophy. It was embarrassing and she knew she needed to change. That was in 2007. Angela stopped working for clients in 2012. She declared total lifestyle freedom at that time! She has spent the last 8 years working entirely on what she wants, for who she wants, where she wants and when she wants. Her whims…

  • FIRE Financial Independence, Retire Early

    Deciding Why You Want to Gain Financial Freedom

    Financial freedom is the end goal but why do you want it? Last week we talked about FIRE. I know many of you read and follow these posts because financial freedom is your end goal. Let’s talk about the many ways you can get there. And yes, sorry financial freedom seekers, there’s some sacrifice and hardship along the way. When I coach writing students I always begin with this question… Why do you want to write a book? Each person’s answer is unique to them. We all have different reasons and motives for wanting to do something. So, take a few minutes and think about why you want to achieve…

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  • Business Talk,  FIRE Financial Independence, Retire Early

    What’s Your Relationship With Money?

    This week we’ve been talking about FIRE. Sometimes achieving financial independence involves changing the way you think about money. Sometimes we don’t know about the bad relationship we have with our money until some major setback happens and we realize we’ve been spending more than we earn or the savings account has just a few pennies in it. What better time to look at your how you view money than to take part in Angela of Laptop YOUniversity’s upcoming Money Master Challenge. Recently I asked her some questions about it and here’s what she had to say- BSG-How did you come up with the idea of the Money Master Challenge?…

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  • FIRE Financial Independence, Retire Early

    Instant Gratification Can Extinguish FIRE

    It’s Sunday late afternoon, heading into early evening. The neighborhood’s been quiet all weekend but suddenly the sound of lawnmowers ruin the tranquility. You look out and see people in their yards rushing back and forth behind the mowers, sweat pouring from them, and an anything but happy or peaceful look upon their faces. In fact, they look worn out, they look downright miserable because once they’re done with this chore, it’s a quick meal and then to bed, ready to get up the next morning and head to work. Why do these people leave the lawnmowing chore until Sunday evening, and why the less than happy look? They’re the…

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  • Business Talk,  FIRE Financial Independence, Retire Early

    Let’s Start Talking About FIRE

    Fire, no, not the type you use to keep warm or start to cook food, but FIRE otherwise know as Financial Independence, Retire Early. One or both of those things might sound good to you. I’m probably not going to go with the Retire Early part, but I’ve always loved the idea of financial independence. Yes, even before it became a catchphrase. The having enough money as not to be dependent on something else be it a person or otherwise for your everyday needs and long term survival. Never having to worry about losing your job because you’ve got enough saved to tide you over until another one comes along.…

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