Sunday Funnies | Normal Nancy Meets I-Love-It-Lucy!

Welcome back to My Early Retirement Journey. The single girl is at it again. This one took a lot less time than a full Saturday. I guess I’m getting the hang of this creating thing after all.

These are scenes inspired by the girl in the cubicle next to me. They like to call people like me Negative Nancy, but compared to this girl, I feel pretty normal.

Find the original illustration created on Pixton in case this doesn’t load properly:



You might also enjoy:

Sunday Funnies | A Midwesterner in California

Sunday Funnies | The Life Cycle of a Corporate Drone

comic-i-love-it-lucy-myearlyretirementjourney

Single Girl Life | My Week Ending Oct 26, 2018: I wish I knew how to quit you!

Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I enjoy watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!
My week

This week (Saturday to Thursday) I had four days off from work, but two days into it I realized I should probably go into work and try to save some vacation days for next year. I made it half a day and went back home.  But the days I had off were so glorious and refreshing.

Humans! If you haven’t gotten into Lifetime’s You, you are seriously missing out! It’s soo good in the creepy stalkery romantic way! TV is good again. Also did a 28 episode binge watch of Netflix’s Terrace House. Still good.  Oh to be a twenty-something model living in Japan looking for love! Maybe in my next life?

I didn’t touch my laptop or iPAD for the first part of my break and I finally felt like I was recharging. To think that blogging is keeping me from fully unwinding on weekends and weeknights makes me very sad.  So in my languid stupor, I decided to maybe take some time away from blogging. SAD FM.  It’s been touch and go. I have a few solid posts coming up and I don’t want to lose momentum. But I really relished my free time again! What is a single girl to do?

Wednesday –  This was the day I attempted to go back to work after a four day holiday. I realized it was on my way to work that I get the most down. At home, I felt fine about the thought of going in to work. Then on the drive in what popped into my head was the quote ‘the life you save may be your own.’ Maybe this is all I will be able to do in my lifetime. Is this the plight of being someone one like me (a hyphenated-American)? Maybe I won’t be able to retire in my 30s or early 40s but maybe I can be happier living elsewhere? Suddenly with that as an objective, two more years seemed doable. I left work after four hours.

Friday – Remember Brokeback Mountain's "I wish I knew how to quit you."

Just when I was getting used to the idea of taking some time away from ye olde blog, I got featured on TFD (again!)! That’s three features within about a week.  I am elated! I think I submitted my posts for each of these honorable mentions but it’s still been a grand week in single girl land! No, nothing Richter scale level has happened in terms of income or traffic, but it feels really good for the creative writer in me. Someone of their own volition is reading something I wrote when just yesterday I was just an anonymous troll binge watching tv and eating cookies (I still do that btw).

I don’t hate blogging, and I definitely don’t hate writing. I just can’t find a way to do it and other things. I try to set time limits, but when I get a little bit bored (watching my television shows) I say to myself oh I’ll just get online for 30 minutes. Thirty minutes ALWAYS turns into 3 hours or more. Then there goes my down time on weeknights and weekends.  How do y’all strike a balance especially with no monetary gain? Do I just change my mindset on measurable outcomes? But I am so heavily motivated by money!

I didn’t even intend to post this update this week, but I was just overcome with gratitude and warm fuzzies, I had to share with my virtual friends!

 

My latest wins (just pretend these are photos of my cute kids, and take a gander):

Sabbatical 2020: In Which I Take Back My Life (featured in Rockstar Finance newsletter)

5 Unexpected Lessons from Freeform's The Bold Type (featured on WomenWhoMoney)

How Being A Victim of Identity Theft Helped Me Take Control of My Finances and Pay Off $30,000 of Debt in 2 Years (featured on The Financial Diet)

 

Also some really cool pins that I made (these are now taking me under an hour to make, save, compress, and attach, some in 15 minutes or less!) Pinterest - something else I unsuccessfully keep trying to spend less time doing...

  

TV this week: You, Terrace House: Boys and Girls in the City
Takeout this week: nada, lots of crockpotting
Your turn

How was your week? What did you do? See? Feel? Think? Decide? How's your life journey in general?

Follow/ Like/ Subscribe

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Single Girl Review | A2 Milk and My Lactose Intolerance Journey

So I have been drinking A2 milk (no-affiliate) on and off since the beginning of 2018 because I can't digest milk. I think I've always had trouble digesting milk because in childhood I would get diarrhea often but without regularity.  Milk was in everything and not a known allergen at the time.
My story

I thought cheesecake hurt everyone's stomach after two bites. But I had no trouble with my first love - ice cream. At church potlucks, when I would get diarrhea after gorging on cream of chicken casserole dishes or dairy filled sweets, I thought I just ate too much other-people food.  At birthday parties, I thought you were supposed to take the cheese off pizza before you ate it. It tastes better when you know you won’t get a stomach ache afterwards. Duh.  But I had no problem with chocolate chip cookies or puppy chow or cake and ice-cream.

In college, I thought it was just unsanitary conditions in my school's cafeteria that gave me diarrhea when I ate the cheeseburgers because it only happened sometimes.  Or when I ate the cafeteria's cereal with milk and got diarrhea, again only sometimes, I thought I just got a bad batch of something. I mean sometimes they did leave some spoiled milk in those dispensers. When I missed my college graduation events because of some cheese dogs I ate the week before, I just thought it was nerves about leaving the comfort of college (and cheese dogs).

It wasn’t until I was living on my own and cooking for myself that I began to really pinpoint what I was eating that was not agreeing with me. Most of the times it was cheese, specifically cheeseburgers. So I thought it was only American cheese. So I stopped eating American cheese. And so it went until I realized I could not properly digest dairy in any form.

What came next was a years-long foray into milk alternatives. It started with soymilk and ventured into Lactaid, Lactose Defense Formula, Almond Breeze, vegan cheeses and spreads, and the like.  Eating out really became inconvenient because I would have to check allergen menus beforehand and of course those are posted, if at all, for big chains and fast food joints. So long, local diner! So long, food truck! So long, trendy hot spot and fine dining!

I’ve adjusted I suppose, what choice did I have. But it was really hard to let go of baking. After several tries of vegetable oil spread sticks, this vegan butter and that vegan plant oil spread, I found Smart Balance and that really does taste like what I remember butter tasting like. So I can still make several of my tasty treats.  However, I personally have grown weary of milk-alternatives in any shape or form to the point where I don't really buy it anymore.

Then after some effective marketing, A2 milk popped up on my television channels. After months of commercials, I decided to give it a try. And try I did. So I thought I'd share my experience here in this handy chart in case there are some fellow lactards out there who are looking for an alternative.
A2 Milk Review - How does it compare

[caption id="attachment_1181" align="aligncenter" width="1087"]a2 review A2 Milk Review Comparison Chart[/caption]
A2 Milk Review - Summary

For first time users of A2 milk, I recommend easing into it. You won't suddenly be able to drink milk three times a day without effect. It's a new food. Your body likely hasn't had it before or hasn't had milk of this kind in a long time. I know with my body, when I introduce new food items, it has to be done gradually over time.

Additionally for some reason, A2 milk doesn't taste cold. I have enjoyed it best with an ice cube. I suspect this may be why this gene was phased out, but this is currently unsubstantiated. I imagine eons ago some clever ad girl started marketing ice, cold refreshing milk and so that's what the people wanted. Demand went up and A2 cows were phased out. At least that's my speculation. 

Overall, A2 milk is a viable alternative for lactards for whom Lactaid or lactase supplements do not work well. It has a real milk taste (because it is real milk), but it is not cold and refreshing like milk you may be used to drinking. Single Girl does not recommend A2 milk for daily use, but if you want to enjoy it for your weekend hot cocoa or cold cereal + reality TV binge watch, it is an option. I do hope they come out with ice-cream sometime soon.
Your turn

Have you tried it yet? If so, what'd you think? Are you one of the lucky humans that can still digest cow's milk (you know mammals aren't designed to drink the milk of other mammals, right?)?

How To Recognize Your Privilege: A Beginner's Guide for White Men

I find that many men of privilege often have a hard time accepting that fact. From what I've gathered, they seem to think unless there was an actual silver or platinum spoon in their mouth, they have in fact made their own way of their own accord. I scoff at you, I scoff.

Presented with such a dilemma, this single girl is happy to help for I am nothing if not resourceful. Thus this handy guide was born. Inspired by such works as The Cooper Review's wildly successful "How To Be Successful Without Hurting Men's Feelings" and "Are You Arguing With a Bot," I dare not tread lightly.

Let me be the first to admit that all of us, myself included, constantly underestimate the power of positive role models or just the presence of positive people in our life even if they are not directly mentoring or parenting us. This is true even in adulthood.

My story


Cautionary tale. I tried dating at age twenty-seven even though it wasn't something I was particularly interested in because that's what people my age were doing. Nothing too terrible happened, but it was not really a worthwhile exercise for me. The primary reason I did it was because that's what everyone I knew was doing.

Similarly, I recognize one of the reasons I'm not happy in my current station in life is because none of the people around me are doing things I want to do be doing. The focus of women in their thirties in my immediate surrounding seems to solely be babies, husbands, and home ownership. It's annoying, but I'm at least old enough to recognize it.

Additionally, in said workplace, no one that looks like me, talks like me or acts like me is in any real position of power or influence. So, I go to work, do my job and intentionally or not distance myself and try to fly under the radar (my non-white-man manager even encouraged this). I work in constant fear of calling attention to myself or being labeled too different so as to make others uncomfortable.  I don't want to make the "they" wonder why they even hired me in the first place.  So now I'm called anti-social and labelled the one who likes to keep to herself. But I know first hand things or people who are too different from the "them" makes them uncomfortable. You've seen Big Brother or Survivor. You know who is always the first to get voted off the island. So this is my work day and I still have to do actual work.

A more positive example occurred just last month (Jul 2018). I stumbled upon The Cooper Review and loved the comics so much I wanted to make one. Then I thought hmmm that must be a white man; only white men make comics; I could never do that. Once I read the bio of the creator, I was like wait a minute. It's a woman (of color). If she can do it, I can totally do this! So I searched and searched until I found a user-friendly comic maker and I made my first comic ever in life, at age 34.  Yes everything in this paragraph sounds absurd and perhaps a bit anachronistic, but it's true. That was my thought process in 2018 with three degrees living in America. The struggle is (still) real!

A comic is not even essential to my life. Imagine what it's like for young people coming up with a stumble from the start. So without further ado, here is the single girl's guide to identifying your privilege - for white men.

Identifying your privilege - a guide for white men


Scoring:

Yes = +1
No = 0

 

BASIC


#1 Were you born healthy in America?

#2 Are you able-bodied?

#3 Did you grow up in a home?

[If you were homeless, un-domiciled, in foster care, cared for by a guardian, i.e. the state (-1)]

#4 Did you have running water, enough heating and cooling, most of the time?

#5 Did you have at least one parent in the home?

#6 Was at least one parent a contributing member of society?

#7 Did you have at least one nutritious prepared meal a day, most days?

#8 Did you have a designated room in your house for you to sleep in?

#9 Was your sleeping room a safe space?

[If NO, (-1)]

#10 Did you have a school in your neighborhood?

#11 Did you have clean clothes to wear to school?

#12 Were you safe getting to and from school and while at school?

[If NO, (-1)]

#13 Was it easier for you just to graduate from high school because that's what most people you knew well did? Alternatively, did you attend an elementary, middle, or high school were more than 90% of students finished?

Read more: Poverty and You: How does your FIRE budget compare?

Scoring Results:

2+ : Check you privilege (Yes, Virginio, there really is some privilege there.)

ADVANCED


#14 Did you have a bike?

#15 Were your free activities the community pool, a safe park, or after school activities?

#16 Were you ever driven or accompanied to and from school by a parent?

#17 Did anyone in your household or someone you knew well actively read books or the newspaper or printed media? Were there any books in the home? Did you have easy access to books or printed media?

#18 Were your relationships with adults or other children safe and healthy?

[OR If you found yourself becoming involved in an inappropriate relationship out of fear or for the protection they afforded you, (-1)]

#19 Were you ever in a desirable neighborhood or establishment where most people looked like you?

#20 Did most of your teachers or people in positions of power or positive influence look like you?

#21 Did someone you knew well graduate college? Did they look like you?

#22 Did someone you knew well (or looked like you) have at least one career that wasn't a minimum wage job?

#23 Is it true that no one you knew well was ever incarcerated or had a criminal record?

#24 Is it true that no one you knew well was a teen mom, was dependent on public assistance, or had gang affiliations?

#25 Is it true that you never had opportunity to choose between committing a crime or going without a basic need like food or safe shelter?

[If NO, (-1)]

#26 Did the people in your life who made what you consider to be good choices look more like you?

#27 Is it true that no one has ever told you that someone like you can't do x, y, z?

Scoring Results:

3+ : Why are you not president?  If you are not in a position of power or influence, you are not realizing your full potential privilege. Go forth, my son. The world awaits!

 

For the visually inclined, this single girl also created a quick reference guide.

Quick Reference Guide


whiteprivilege-myearlyretirementjourney

Read more: The New Yorker on White Fragility

(9Sep2018, MERJ)

 

Single Girl Life | My Week Ending Oct 19, 2018: Mega Billion, Rollercoaster, Crockpot Pork

Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I enjoy watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!
My week

Monday – Another manic Monday. These are the days where I try to remember to be grateful. Even though I did nothing of substance over the weekend, I still keep thinking of one-hundred other things I’d rather be doing than driving in to work today. Today was: buying some lottery tickets and getting a Tailwind subscription. I know this blog is not my ticket out just like winning the lottery is not my ticket out, but what else can I do?

Tuesday – So outing at the fair last night with my old classmate was a success. Primarily because I showed up and didn’t cancel. I got some insight into hospital staffing and the 7 on 7 off shift. I think I would definitely enjoy the scheduling but probably not benefit from the actual work as much as I thought knowing that I didn’t have to work that hard or deal with as much social politics if I stayed at my current job. It especially didn’t help that he’s not making that much more than me.

Other things. I feel assured that my decision to lean out of socializing was the right one, but also nice to know I haven’t missed much. While I did my social exit intentionally, most friendships did indeed fade for others after graduation. I’m not a huge fan of the random text, although I have been guilty of it.

I’m feeling more of a pull to home ownership. I’m approaching it now from a building equity standpoint. I attribute this new perspective to looking at other FIRE budgets where they list their home equity under assets. I think that might be a nice addition to my budget as long as I can stay within my current housing budget. Other things to consider is how this will work with my myriad workforce exit plans. Ultimately, how I see it now, I’m spending $12k a year on housing and I foresee the grind for at least 7 more years minimum, for $12k x 7 = -$84k… so if I come up with any number greater than -$84k in equity after 7 years, that will be a win. What do you think?

Wednesday – New life plan.

Um…resign in 1st week of Jan 2019 (maybe 1st week of march 2019).

Idk, the comfort I felt in committing to the grind just yesterday has been replaced with my desire to leave fueled by: ugh, I can’t afford a house I really want; and I really don’t want to work; and I want a break! My mind just won’t stop.

Blog discouraging. Someone reported my using my blog name as my real name on Facebook, not once but twice. Now I’m blocked unless I upload identification. Hard pass.

Think I’m going down to default of quarterly posts of financial updates as that’s where it’s had the most impact in my personal life.  Goodbye weekly update (might do monthly single girl life updates…might not). No more Wed weeklys.

Really going to try to enjoy this cable more… at least until Christmas season is over… Idk. That is all for now. Mega Millions lottery frenzy at work. I love it!

Thursday – My mind is a blur.

Postponed a future guest post with a blogger I was interested in connecting with. Scheduled remainder of previously scheduled post to publish this month. Thinking of taking a hiatus from blog for 2 months. Rationale: this is the easiest thing I can take a break from since work is a bit more high stakes + emotional rollercoaster + lot of time with low tangible return (free therapy, I suppose). Was so sure about it Wednesday morning.

Then Wed afternoon I found 9 comments that were hidden in my trash folder! It was such a delight to find them, I got rejuvenated again!

Then I was tinkering with blog styling again this morning and got lost for a moment. I now feel I will be so lost without blogging things to tinker with.

Part of the reason for the hiatus is the hiccup with Facebook as I was just starting to get traction. 70 pageviews from them in one day! I get tired of the seemingly endless albeit small hurdles.

And I’ve been thinking of taking a break sometime in the early part of next year and I want to make sure it's for me and not me getting sucked into the FIRE life.

Friday  - Spent two hours on grocery ($27) and buying lottery tickets for office pool yesterday. Ended up going to three stores to save maybe $3. Have to remember not to do that next time. What would have been a 45 minute excursion turned into 2 hours…to save $3. That was not a valuable use of my time.

So many questions swirling.  I just decided to make it another post.

Then later tonight I realized my blog was featured on Rockstar Finance email newsletter as "Noteworthy."

I had 3 new comments this afternoon and 2 weren't even other bloggers! How about that! I felt so excited I literally didn't know what to do. I came home after work and went back to the grocery store. I cooked beef and broccoli for the first time and thought about turning that into a post. Then put some pork bbq in the Single Girl Crockpot for this weekend. And even bought chicken to try a new recipe tomorrow. I just felt like chopping something! Look at the single girl go!

And the guest post I had postponed just yesterday ... I suddenly felt a burst of energy and crafted a complete first draft.  See what I mean about emotional rollercoaster...

TV this week: mostly just House Hunters and Cybil to fall asleep to (Oh, I saw someone I knew 10 years ago on House Hunters Intl this week!)
Takeout this week: $20 at the state fair!
Your turn

How was your week? What did you do? See? Feel? Think? Decide? How's your life journey in general?

[mailerlite_form form_id=1]

 

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Dear God, It's me. I have some questions.

20Oct2018, I was editing my week in the life of a Single Girl update for later today, and it was getting too long so I decided to break it up into two posts.

These are mostly some unanswered questions swirling in my head this week.

I'm vacillating between taking a break from work sooner than FIRE and sooner than my proposed Sabbatical in 2020.

Right now, it's bedtime and I feel a bit settled. I also cooked two meals after work and drafted a guest post and found out I was in the Rockstar Finance Newsletter, so I'm feeling pretty good. But when the high dies down I'm faced with these lingering questions...

  1. If everyone is so committed to the grind, why do I struggle so hard?

  2.  Do I renew my lease for 1 year?

  3. Do I take a break in Jan 2019?

  4. Take a break in March 2019?

  5. Take a break from blogging?

  6. Buy a house in Fuquay?

  7. Buy a house in Montana?

  8. Do I keep grinding?

  9. Do I just wait to take my Sabbatical in 2020?

  10. Seek and find a 7 on 7 off position?

  11. Do I get a part time job to get experience to make me a competitive applicant for a 7 on 7 off job in retail/ hospital?

  12. Do I keep grinding?

  13. Do I just take a break and figure it out later?

  14. If I take a break, is it worth it to push back retirement by x years?

  15. Do I keep grinding for x more years?

  16. Ughhhhh what is a single girl to do?!

  17. Reasons for not taking a break:

    • Pushes back retirement

    • I might not come back

    • I'm just coming back to the same grind

    • What exactly am I taking a break from? What do I hope to accomplish?



  18. Should I just wait until next year (2019) for my planned six week vacation which might only be four weeks now due to some recent policy changes at work?


Thanks, God. Sincerely awaiting your response,

MERJ

 

P.S. I'll update this as clarity comes.



 

10 Ways To Tell You Have Impostor Syndrome (and what to do about it)

We've all heard the term impostor syndrome. It was a buzz word a few years ago and still clings to the wall of every women's studies lecture hall.  But what is it? Basically, it's the fibromyalgia of workplace dynamics - it primarily happens to women and if you've never experienced it, you don't really believe it exists. Well for my fellow early career girls, here are a ten ways to tell you have impostor syndrome inspired by my journey thus far.

How to tell if you have impostor syndrome


#1 You've accepted you have to pay your dues.

Wrong.  A #girlboss rips those dues in half and returns to sender.
#2 You've accepted more work for the same or less money.

See #1
#3 You qualify your statements.

Before making a declarative statement or expressing a strong opinion, you tend to start with "maybe it's me, but..."  or  "I could be wrong, but..." Stop butting out of your own life. Stop doing that. Now.
#4 You find yourself apologizing for your strong beliefs.

Similar to #3, you find yourself saying things such as "sorry, but that's how I feel." Who are you even apologizing too. The men don't care. And the women should know better. Learn from the younger millennials #sorrynotsorry.
#5 You thought you had to get an advanced degree to supplement your experience.

Wrong, the men at my job are constantly getting promoted with minimal qualifications from no-name online school.  Their male presence, posturing, confidence-despite-mediocrity, and thinking they deserve their jobs is enough. Try that. Don't worry, if you already earned your M.B.A., completed Six Sigma, or some other nonsense leadership certification before applying for a leadership role, I fell for that trick too. They fooled all of us, I have the debt to prove it.
#6 You're afraid to negotiate your salary.

This isn't entirely your fault. You've probably tried to negotiate your salary in the past only to be turned down by that WOMAN in HR! It hurts all of us. Now, you think if you ask for more money, they'll get someone to replace you for being ungrateful for the favor of your being employed.
#7 You thought you were better at being a mom.

After having your first child, with no training and experience, you thought you were better at being a mom than the job you paid thousands of dollars and gave years of your life to learn how to do. That's B.S. That's the impostor syndrome talking. You're good at your job, you just don't get paid in hugs and warm fuzzies. Go back to work!
#8 You find yourself redefining accepted terms to preempt criticism.

You find yourself making up words and redefining regular vocabulary words to avoid criticism and ridicule because the foremen before you like to police you.  You say things like FIRE-my way or lean-FIRE or fat-FIRE. Stop hyphenating stuff. If you are financially independent of course it's on your own terms, you don't need to overstate it.
#9 You announce your privilege.

Men don't do that. They are very sure they got to where they are solely because of their perfect choices, nothing else - Maslow's hierarchy and lack of equitable opportunities, be darned!
#10 Someone has openly tried to gaslight you.

You know when you ask a question after a presentation and the presenter doesn't have the answer so they pretend your question doesn't make sense or worse they provide a mansplanation for a question you didn't ask? This has happened to me more than once. Next thing you know, you're not asking any more questions. Don't shrink back, persist.

 


(09Sep2018, MERJ)

5 Things You Need to Read this Wed, Oct 17, 2018

Most popular post on My Early Retirement Journey this week: List of Single Girl Money Bloggers

Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet is all about.

WHAT I STUMBLED UPON THIS WEEK

It's Never Too Late to Be a Reader Again (Wired)


How to Do. One. Thing. At. A. Time (The Startup)


WOMEN ON THE WEB

Why Improving Yourself Isn't Always Easy (Psychology Today)


THIS BLOGGING BUSINESS

I Retired at 33 By Tracking Every Dollar I Spent (Root of Good)


Enjoy? Follow/ Like/ Subscribe



 

#1 Way to Save 100k in Your 30s

I have been in the PF blogosphere for awhile now and have gorged on net worth updates and debt payoff stories. Much to my own chagrin I even published my own debt payoff story. I harbored some reticence because I didn't think the story was really much of an underdog story, but other bloggers had it as cornerstone content, so I did it too.

Lately, I've been stumbling on a few more how I saved x dollars by y time and while enticing at first when I close the post I find myself a little disappointed. It is all starting to get a little sententious for me, I suppose.

Case in point, when I did my post on selective poverty, I hoped to compare FIRE budgets with poverty and be surprised that wow, these people really are living on so little. The data didn't really show that. Then I remembered my own life. My aunt raised 4 kids (none of us were her biological children) on a max income of $40,000.   She did that because that was the best job she could find even after getting her doctorate. She faced a lot of discrimination and eventually went into substitute teaching and staffing group homes until she retired at age 62.

But while she was raising us, we ate free and reduced breakfast and lunch at school because we qualified for it; we had hand me downs and home-made clothes because before reaching her max income that's what we could afford. When things got better, we took lots of fun road trips around America with our pb and j kits in the back; sneaking into hotel rooms when they wanted to charge for each kid; splitting extra value meals at McDonald's; and getting Dairy Queen blizzards in the middle of winter when they were free.

So when I went to write my How I Saved 100k by Age 34 post, the idea stuck around in my draft list for two months because I couldn't in good conscience tell my 10 readers that the way to six-figure savings was to live simply- buying second hand stuff, using credit card rewards, getting a cool side hustle; oh and save 90% or more of your income.

No, I can't do that. I know better. So here's my #1 tip to saving $100k by your next milestone birthday...

#1 Find yourself in a position to earn $100k/ year and then don't spend half of it. Do that twice.


MERJ out!

Sunday Funnies | Getting Thai Food With Immigrant Aunty

Welcome back to My Early Retirement Journey. The single girl is at it again. This one took a lot less time than a full Saturday. I guess I’m getting the hang of this creating thing after all.

These are scenes inspired by a recent visit with Aunty MERJ. We have quite the history. In my culture, we sometimes speak pidgin English and eat a lot of rice.  Here's what happened the last time I tried to take my aunty out for Thai food. #singlegirllife

Find the original illustration created on Pixton in case this doesn’t load properly:



And in case you missed it:

Sunday Funnies | The Life Cycle of a Corporate Drone

Sunday Funnies | A Midwesterner in California

thaifoodwithimmigrantaunty-myearlyretirementjourney

Single Girl Life | My Week Ending Oct 12, 2018: Gnats, Fired, 7on 7off

Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I enjoy watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!
My week

Monday – True to form, I want to quit my job this fine Monday morning. I feel like I’m not resting enough over the weekend. I spent most of it on social media, creating a pop-up form, and then more social media.  Don’t think I even watched 2 hours of TV in a row. Where did my weekend go?! I don’t even necessarily want to quit; I just want a break!

Tuesday – OMG! The gnats just won’t leave me! Fried some fish and fries last night in spite of them. I was frozen with indecision because I couldn’t stop being annoyed with the gnats. But I really didn’t feel like going back out to get food after coming home from work. So I had some fish and fries and probably inhaled 1 or 2 gnats. Gross.

Wednesday – Got drunken noodles for lunch. Now feeling very full. Decided to get a big lunch because not going to be home till after 9p because of Tai Chi. I called an old friend today! Yay me! I haven’t really hung out with anyone in 3 years, except that one time in March of this year. It’s funny, I think all these great things are happening in people’s lives and then they’re not. So my friend Cathryn was fired, but not in the financial independence way. She is upbeat about it but I’ve known her to be this way before when unsettling things happen.

It puts things a bit in perspective I suppose. I hate how we ultimately benefit from other people’s misfortune by calling it gratitude or perspective. I want to be grateful for the things in my life not because someone else is worse off but because I am truly appreciative of them.  Being a human is hard work and requires so much fine tuning and regular calibrating.

Thursday – The state fair was supposed to start today. I had made plans to go with a friend, making it my second social excursion of the year. But because of the storm (read: Hurricane Michael), another one I was completely unaware of, the state fair opening has been pushed back a day. Got my hurricane preparedness kit: a paperback book, an e book, an audiobook, and some snacks (corn puffs and chocolates). I’m ready for you, weather! Only one more week of Tai Chi left! One of the other students asked if I would take the next class. That’s a decided no. I want something that’s more follow the leader…as in stretch 2,3,4,5.  Not in the right frame of mind to learn choreography. Overall the class has helped me to at least move my body 1 hour a week.

Friday – Yay! Second day in a row I didn’t wake up to gnats crawling on my face or buzzing in my ear. No power last night because of storm. Laid in the dark until about 1a when power returned. Good job me on my storm kit: snacks and e-book. Fully utilized. Next time I might get candles or a portable lantern.  Thought more about buying a house since I can’t seem to find a way out of my current station in life. The way things are looking, I’ll probably be here for the next 7 years. Oh well. Tired of trying to claw my way out.

This morning thought more about pursuing a retail or hospital job, not for pay or training, both nice, but primarily for the 7 days on/ 7 days off schedule. That at least will give me more down time (pro).

I did a quick analysis. In Oct: with regular M-F work week, I work 23 days total and 7 days off. With a 7 on/ 7 off schedule, I would work 14 days with 17 days off. In Nov, with a regular M-F work week, I would work 22 days with 8 days off. With a 7 on/ 7 off schedule, I would work 16 days and have 14 days off.   With this new schedule as my objective, I feel a bit more motivated to apply for opportunities that might lead to this. So far applied for 1 full time job with this schedule and 1 part time retail job to gain experience.

 


















7 on/

7 off
OctNov
Work 14 days16 days
OFF17 days14 days

 


















9a-5pOctNov
Work 23 days22 days
OFF8 days8 days

 

Pros (7on/7off): more days off in any given month, use training, probably more pay

Cons (7on/7off): longer work day, new colleagues, could kill someone

I KNOW the shine will wear off after one or two years, but I at least know now to schedule longer breaks periodically throughout the year. What do you think?

TV this week: The Resident, House Hunters
Takeout this week: $10
Your turn

How was your week? What did you do? See? Feel? Think? Decide? How's your life journey in general?

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List of Single Girl Money Bloggers

When I first started this blog, it was not easy finding other women blogging about personal finance. As I got more immersed in the personal finance community, I realized there were more women who money than I originally thought.  Still not that many single girl money bloggers though. So to keep track, I thought I'd compile a list. The list at Tread Lightly, Retire Early helped me connect with other female personal fiance bloggers, so I know these lists are helpful especially for new bloggers like me. I just niched it down a bit to single girls- single meaning never married, childless, sans relationship, boos, or baes :)

Here's my list of single girl money bloggers, in no particular order. If you or someone you know needs to be added to the list, feel free to comment below with a link and two to three sentences telling me about your blog. I'll update the list periodically. Thanks, y'all!

Introducing the List of Single Girl Money Bloggers


#1 My Early Retirement Journey

This is yours truly. A single 30-something, openly Christian human woman. I love watching TV while eating takeout, and I want to retire early. I  started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community. In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.
#2  Splurging on Freedom

"A few years ago, I lost everything, almost every dollar I ever had to my name. But after a few pity parties (okay, a lot of them), I picked myself up, dusted myself off, and transformed my relationship with money. I don’t earn a great deal of money. And I certainly would never be able to earn enough in my entire lifetime to replace the 9-digit inheritance that I lost."
#3 The Single Dollar

"A mid-30s, long-term single woman with a humanities PhD and a desire to keep afloat without a second income — as well as to catch up after a dozen financially “lost” post-college years. I write primarily about my own life and finances, and I’m obviously no professional; any advice I give is to be taken with plenty of salt."
#4 Double Debt Single Woman

"A 40-something single woman living in the U.S. This blog chronicles my slow climb out of deep debt. My “double debt” refers to the $140+K twin terrors of student loan debt ($112,000+) and credit card debt ($30,000+). “Single woman” will address the difficult choices, challenges, and opportunities that those without partners experience when dealing with large debt alone."
#5 Struggling to Be Debt Free

"A 33 year old female residing in northern Florida where I earn my living as an attorney.  I currently earn approximately $80,000 a year at a small law firm in the area. I love to read, I like to write and knit.  I am single with no prospects, but I think I have steeled myself to become an old maid."
#6 Jane Has Debt

"Jane's ADHD has always made managing her finances a challenge. But not wanting to retire broke, she has made it her absolute mission to rid of nearly $81,000 of debt by embracing a Cash Only Lifestyle. Fueled by iced coffee and veggies."
#7 Reaching for Fi

"My name is Erin and I’m a 20-something living and working in DC. In 2016 I started to feel like I was living paycheck-to-paycheck, and in early 2017 I decided to finally get a handle on my finances. I fell down the rabbithole of personal finance blogs and emerged as a personal finance blogger myself! I’m using this blog to document my path to financial independence, as someone living on a not-so-big salary in a high-cost-of-living area."



 

5 Must Reads for Wed, Oct 10, 2018

Most popular post on My Early Retirement Journey this week: Single Girl Life | My Week Ending Sep 28, 2018: Regrets, Resignation, Murphy Brown

Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet is all about.

WHAT I STUMBLED UPON THIS WEEK

As inequality grows, so does the political influence of the rich (The Economist)


How My Smartphone Revived the Purity of Reading (Wired)


WOMEN ON THE WEB

How to Beat Mid-Career Malaise (Harvard Business Review)


How to Help Your Spouse Cope with Work Stress (Harvard Business Review)


THIS BLOGGING BUSINESS

Pinterest Traffic Tips: How Often Should You Pin on Pinterest? (PotPieGirl)


Enjoy? Follow/ Like/ Subscribe



 

5 Unexpected Lessons from Freeform's 'The Bold Type'

One of the shows I thoroughly enjoyed this summer was Freeform's The Bold Type. The series is available on Hulu and Sling, so if you have access to one of these streaming services, I highly recommend watching it.  I recently binge-watched the second season in two sittings after enjoying season one last summer.  I like the show because it is essentially pretty girls (Jane, Kat, Sutton) doing big things. It is how I always imagined my life, so every time I watch it I find myself momentarily introspective.

Go in there with the confidence of an incredibly average white man.  - The Bold Type



If you have never seen it, the show, based on career commentary of former Cosmopolitan editor-in-chief Joanna Coles, centers around three friends in New York City who start out working at a fashion magazine, Scarlet, in different capacities. It touches on issues such as race, religion, immigration, privilege, feminism, female empowerment, politics, and of course fashion and beauty. All the things. In my opinion, The Bold Type does so in just the right doses. The show's magic is being able to draw viewers in with thought-provoking topics; keeping viewers engaged without being too preachy; and leave them wanting more.

Watching a second season of single girls, albeit fictional, create and innovate was the tipping point I needed to take myself and my blog more seriously.  Here's what I mean.

#1 The headline is just a part of the story.


One of my favorite episodes from season two was entitled "Betsy." Betsy was the name of Sutton's gun, and Jane, her roommate, had just found it in their apartment. I watch an enormous amount of television and this was not a topic I had seen approached by a group of girlfriends. Conceivably, there were only two outcomes to the gun in the home, but I found myself extremely curious on what the show's commentary would be on the matter. Jane, the young writer trying to make it in publishing as a "real reporter," was able to turn the issue into a story.

From this I realized  that anyone can write down all the things they did or ate or spent today, but the craft is in asking yourself: how can I share this point of view in a way that relates to others. When I was exploring catchy titles in my summer challenge, I thought at first the secret to creating shareable content was rearranging titles to make them attention-grabbing.  That is part of it but it is not the sum of it. No, the goal is sharing your story in a way that relates to others and their story - therein lies community.

In the episode "Betsy," writer Jane was strongly opposed to having a gun in the home she shared with Sutton. However instead of an op-ed piece on gun control laws, the story became "I love everything about my BFF except her gun." That title draws a reader's attention because  laws are as complicated as relationships. People live in between the layers. That's where the story is. That's where the connection is. So now you've grabbed the reader's attention; engaged them; and left them wanting more.

#2 The uniform matters.


The girls work at a fashion magazine. They live, eat, sleep, breathe fashion and popular culture. That is their brand. You cannot be taken seriously in their industry if you don't look the part.

Outside of this fictional world, I am reminded of a time when I was on clinical rotations acquiring my massive student loan debt. One of the medical residents was bemoaning her single status (how dare she!), but to look at her you wouldn't tell she was on the market, so to speak. Inside the hospital, she looked like a medical resident trying to get through her residency. She wore scrubs and carried a pager, a stethoscope and a well-worn copy of MDPocket, so we knew she wasn't the janitor. But nothing about her uniform told any interested parties she was single-and-seeking. Outside of the hospital, she had cut-hair (different from a styled haircut), wore no make-up, and often times stayed in the scrubs. She looked efficient and industrious, not single-and-seeking. There's a uniform for that and she was not wearing it.  The uniform matters. It tells people who we are and what we're about.

In the case of my blog, there's a uniform for that as well. If I wanted to be taken seriously as a blogger, I couldn't remain on Blogger.  I created 100 blogs posts from my mind, and I needed the world to know that I was here and I had something to say. Moving to Wordpress and self-hosting was my way of doing that. If I don't take myself seriously as a blogger, who will. Even if I never receive any recognition, it won't be because I didn't believe I was a worthy contender.
If I'm going to go down, I'm going to go down swinging.  - The Bold Type

#3 Creating achieves flow.


The parts of each episode of The Bold Type where I am most captivated are when the characters are using their creative energies to complete a task; solve a problem; or overcome and obstacle.  In Season 2, Episode 4, I was right there with Jane as she tried different writing styles after losing her job for standing up for her beliefs, and eventually earned recognition for piece that was difficult to write. I was a part of the conversation in Season 1, Episode 3 when Kat used her social media influence to give a voice to gender inequality.  Sutton's journey throughout Season 1 with the issues women face in the workplace was a part of my journey, and her ability to succeed and surpass even her own expectations for the underfunded shoot in Season 2, Episode 8 to make it to Paris in Season 2, Episode 10 was the picture of a woman coming into her flow.

That intersection of skill and challenge is where we as humans optimize our flow. Working on my blog has been that for me. It has become both my creative outlet and my source of flow.  The female brain responds to stress by nurturing, organizing and grooming things. It's why people start families, seek relationships, and even religion - for what is religion if not a relationship with God and other believers. It's not why I started blogging, but it's why I started to take blogging more seriously.  Even without remarkable page views or income, I can't stop thinking about ways to make my blog better. It keeps me from plateauing. Every time I see a post to completion, my mood is elevated. I call it my creator's high. To know that one day I could potentially reach another single girl like me trying to find her place in this space moves me forward towards that next challenge and that next level of skill to be mastered.
Keep bringing your passion, it’s how you’re going to make your mark. - The Bold Type

#4 Inspiration is everywhere.


As I said, even though I am spending almost all my free time on a blog that gets unremarkable page views and generates no income, I keep at it. I keep writing. I am a writer.  And my inspiration is everywhere.
We should be taking in every experience. We should be living our lives, taking risks, and [...] putting ourselves out there. - The Bold Type (Jane, Season 1, Episode 10)

Much like Jane who uses much of her personal life as writing prompts for her stories, I find inspiration everywhere. Much of it stems from my personal life and my past. It used to be my life, my history, my thoughts, my dreams, things unsaid. It has since evolved to include inspiration from other bloggers, my co-workers, the nasty man behind a customer service desk... I have yet to run out of things to say. As long as I keep breathing, I have found there's always a way to connect to a reader.

#5 I'm good at this.


In the last episode of season two, after pulling off the Paris shoot amidst a few obstacles, Sutton recognizes the truth of her talent and simply utters, "I'm good at this." She's good at what she does and the realization makes her smile.

It's as though I needed somebody else to say it first. Blogging helped me realize I am a writer. It's something I've always enjoyed doing and hoped was true, but could never say aloud.  Who decides if or when you are a writer, I wondered. Is it after you've been published? Is it where you've been published? Is it when?  Or is it after you've made money with your writing. Who decides? You. Just you. I am a writer. For now my medium is this blog, but I am a writer. One of my creative writing teachers once said, you know you're a writer if you always carry a notebook. That's always been true for me. I am writing notes for my blog everywhere. Everywhere. I write notes at work, full drafts on my break, scratch notes while driving, notes at my bedside, my side table, my purse, my laptop, my iPad, my planner, receipts...

I woke up the morning of Sep 5, 2018 after publicly announcing my sabbatical, and my first thought was this is what I am meant to be doing. Maybe I was caught up in the moment of the start of something new, or an upcoming week off from work, or maybe it's true. Affirmations and self-realizations are a central theme to a life lived more boldly. So, I say to you, dear reader, recognize your truth and live in it, splash around a bit.
I am good at this. This is what I am meant to be doing.  ~ My Early Retirement Journey

 

Single Girl Must-Watch List - Fall 2018

For as much time as I spend talking about it, I thought it would be helpful in the documentary of my journey to share my carefully curated Fall TV lineup aka my Fall watchlist. While I technically did cut cable as of February of this year, it was supposed to be only seasonally. I was really busy with my side hustle and didn't have time to watch my $80/mon cable in the spring. Then summer came and there were no good shows on. So I impatiently awaited Fall, not for Fall colors or Fall sweaters or pumpkin spiced latte. No, I've been waiting all year for Fall premieres. And so far so good.

I currently stream live TV on my Roku device. For those new to the streaming stick (as I was just months ago), Roku basically allows me to watch shows that I used to watch online on my television set. For example, I can watch things like Hulu or Netflix or individual channels like ABC or CBS as apps through the Roku. Instead of wondering if my seven year-old laptop is going to crash or have sound or start at all, I can just stream these shows through my Roku device and watch it on my television set with full sound and HD quality.  For live basic cable and network cable shows, I pay $43/mon for DirecTV Now.  DirecTV Now is a pretty sucky user experience but it's wining because no other providers offer live network and cable channels through an app.

At $1.43/day, I can't complain too much, but I do want to make sure I get my money's worth. As a result, I made myself this little schedule today at work for my upcoming cool Fall evenings.  Plus, if I don't make a schedule, I'll spend all my evenings changing fonts and spacing on this here blog. So while the rest of you are picking up toys in the evenings or getting cozy by the fire with a loved one, this single girl will be picking up the remote and getting cozy by her Roku.  Here's my fall watchlist!
Monday

FOX block

8p The Resident

9p 9-1-1
Tuesdays

ABC block

(+/-) 8:30p The Kids Are Alright

9p black-ish

9:30p Splitting Up Together

(+/-)10p  The Rookie
Wednesdays

ABC block

8:30p American Housewife

9p Modern Family

9:30p Single Parents

10p A Million Little Things
Thursdays

(+/-) 8p Grey's Anatomy

NBC block

9p Mom

9:30p Murphy Brown
Fridays - Sundays

Catch-up on shows, preferably in On Demand binge sessions, I'm interested in but too lazy to track down: Bull, TLC's The Little Couple, Home Sweet Sextuplets, Lifetime's You, My Lottery Dream Home, Survivor, Big Brother, Chicago Med, all the reality shows I have yet to encounter!

Nightly, I like to relax from 10 - 11p with episodes of House Hunters and House Hunters International.
Your turn

What will you be doing these cool fall evenings? If TV shows are a part of your nightly routine, what do you plan to watch?

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TV and Takeout Mash-Up

My Bite-Sized Goal For the Fall

Single Girl Life | My Week Ending Oct 5, 2018: Meaningful Work, Making Money, Missoula

Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I enjoy watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!
My week

Monday – So I read an article that says don’t make permanent decisions when you’re having temporary feelings. I mean it’s something we all know. It’s just not wise, but sometimes you just need a reminder. Specifically, they said don’t quit your job on Mondays! Ok. I can do that. We’ll see how I feel Tuesday. Of note, they also advised to set attainable goals on Monday. Things you can check off and basically keep it moving to stave off the Sunday blues. I wish there were like a big party we could all go to. Anyway. Hanging in there.

I think where I am at now is this:  yes, doing meaningful work might make the journey to early retirement more enjoyable, but I’m not willing to take the pay cut that comes with “meaningful work.” I know how much I need to FIRE and taking a pay cut even with more “enjoyable” work will just make it take longer. Work will never really be truly enjoyable for me. It’s work! The newness wears off eventually, and all you have left with is work.

Tuesday – I think one of the things my money affords me is time and convenience. That’s really where my money goes. For example today, I made a quick run to the grocery store to pick up trash bags and paper bowls. Ended up getting a few other pantry items as well, since I was there. Had I a stricter budget, this trip would have likely lasted longer than the 9 minutes it took for I would have spent twenty to forty minutes comparing prices. Some shopping trips I do want to spend the time getting the best bargain, but sometimes I don’t. With the financial flexibility my budget allows, I don’t have to if I don’t want to.

Wednesday – Long day. Work 11a to 7p. Then wellness class. Have a gnat problem. Fried some fish and ate it with rice. Why are none of my beloved TV shows holding my attention. Do I want to buy a house? I can’t seem to find my way out of NC so do I just give up the ghost?

Thursday – I went to Tai Chi yesterday. Yay, me! I really didn’t want to. Ended up cleaning fridge before work. So many gnats! Only 2 more classes for Tai Chi left. Praise the Lord! Today I don’t feel like quitting work. I just want to get through the week and get to the weekend. I am so uncertain about this blog. It bugs me that other people are making money, and I’m not! I didn’t even have that as an objective, but now that I know it’s possible (thanks, Tuppenny) in your first year, I’m starting to rethink my position on doing what it takes to generate an income. I just don’t want to commit to social media. Ugh. Two errands for Aunty MERJ today as well. These random bills. At least 1 I think is going to get another review. So that should help. Tried to pay myself back for some of the rent I’d covered over the summer, but she didn’t have enough, so I’ll have to void that check.

Friday – So glad it’s Friday. They are offering overtime at work for the weekend because we are so backed up on outbound calls. I’ve been thinking about it. But we’re so busy during the week, I like my weekends. And duh, I’ve been trying to work less…not more. On the flip side, I’m thinking of picking up a weekend job. Humans are so complex. I want to use more of my training than I am now. Should I move to Missoula? It popped up a couple times at work and it got me thinking about a new destination again. Trying to figure how much more I want to do with Pinterest. It’s so time consuming and has yet to drive any remarkable traffic to my blog, but other female bloggers really seem to be getting it to work for them. I don’t know. What do you think?

TV this week: House Hunters, House Hunters Intl
Takeout this week: $0
Your turn

How was your week? What did you do? See? Feel? Think? Decide? How's your life journey in general?

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Related Content:

 

Throwback 20s: How I Traveled to China For Free!

So every now and then when I binge read other FIRE blogs, I wonder what the heck I was doing in my 20s when they were all seemingly frugaling away their coppers.  To keep my head up and not get too bogged down with what I wasn't doing, I decided to start this series as a gentle reminder of the adventure portfolio I was building with a FIRE twist.  So instead of bemoaning my twenties, I want to take some time to celebrate that part of The Journey! Come along! I urge you!

THE HACK


2008 Summer China Travel and Teaching Program
July 1-26, 2008

Where I was placed

Nanjing Foreign Language School-Xianlin Campus
Xianlin Blvd, Nanjing
Jiangsu Province, China

HOW I FOUND ABOUT THIS


Craigslist!

THE DETAILS


Summer China Travel and Teaching Program is sponsored by local Chinese schools in China. It provides North American teachers with a unique cultural experience and a learning opportunity through tours in China as well as professional development on Chinese language and culture that is offered on campus.
REIMBURSEMENT & EXPENSES


  • Your international airfare of $1,185.00 will be reimbursed to you after you arrival in China. You will receive RMB 3,000.00 for your shopping money upon your arrival in China and the rest of the amount in US Dollars after you arrive at school.



  • The Chinese school will pay for your daily meals, hotel housing, local transportation, and tours (housing, meals, admissions, local transportation and domestic flights in China) to Nanjing, Suzhou, Hangzhou, Shanghai, and Guilin. Local bus transportation will be provided for tours to Shanghai, Nanjing, Suzhou, and Hangzhou. You will fly from Hangzhou to Guilin and from Guilin to Shanghai.


MEMORY STOCK

 

 

 

 










typical family style meal, low meat, lots of veg

 












even more economic than cloth diapers: NO diapers! #FIREapproved

 










FIRE approved transportation!

 










who needs a high rise with an elevator, when there's good ole human backs

 

 

 











#freerange

 


[caption id="attachment_249" align="aligncenter" width="300"] I took Polaroids on this trip so I could have actual pictures. Price of a Polaroid camera in 2008: $3.99[/caption]


 

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5 Must Reads for Wed, Oct 3, 2018

Most popular post on My Early Retirement Journey this week: Sunday Funnies | Life Before and After Blogging


Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet is all about.

WHAT I STUMBLED UPON THIS WEEK

7 Minimalist Ways To Declutter Your Life (Pick The Brain)


Why your brain never runs out of problems to find (BBC)

WOMEN ON THE WEB

Suck it Up (Sarah Cooper)

THIS BLOGGING BUSINESS

22X Blog Growth Last Month!!! Exactly How I Did It (Miked Up Blog)


Jeanette Winterson's 10 Tips on Writing (BrainPickings)

Enjoy? Follow/ Like/ Subscribe