Retired Joe

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How we repaired our budget without cutting back

July 9, 2019July 29, 2019 retiredjoeLightLeave a Comment on How we repaired our budget without cutting back

We tried several times to cut back on luxuries, and even some necessities, to gain financial breathing room. It was always a temporary fix, and never worked for more than a few months for us. Years before we formed a…

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Do I need a personal spending budget?

June 25, 2019July 29, 2019 retiredjoeLight1 Comment on Do I need a personal spending budget?

By my late twenties my spending was almost double my yearly salary. I had been married for a few years, had a young family, and a home partly owned by the bank. The postman was almost a family friend, because…

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