I recently finished delivering mid-year performance reviews to members of my team as well as getting one from my supervisor. Overall, It was a great opportunity to touch base on goal status, opportunities for improvement, and gather feedback on things I can improve to make our team a high-performing one.
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So there I was in 2008 finishing graduate studies at Texas A&M University with a job offer that required moving to a little town called Gillette, WY. I remember my recruiter mentioning the name of the city and all I could think of was “holy crap this place is going to be freezing cold”. Before you run with the idea of saying … “how were you able to say yes without even knowing where in the world this place was” …, well that’s not how it happened. My employer actually flew me there to have a look around before embarking on a great adventure.
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We’ve all heard the expression “live within your means” or “spend less, save and invest the rest”. These simple yet, challenging guidelines have laid the foundation of our financial plan to achieve Financial Independence. While all of these sound great, increasing the gap between your income and expenses requires discipline, dedication, and teamwork. But where do you begin? … income, expenses, both?
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Some people might say there’s limited room to reducing your expenses and they’re probably right. Nevertheless, you’ll be surprised with ideas that can come up if you really pay attention to your spending habits and lifestyle choices.
One strategic approach to investing is to buy a particular mix of investments that you believe will provide the return you’re seeking at a level of risk you’re willing to take. This is what we refer to as asset allocation and is nothing more than bringing the concept of diversification into an investment strategy. …
So the 4th of July celebration has come to an end but now that we are back in Colorado I thought I’d take a break and share the story of our recent trip to The Texas Hill Country, and how we saved and invested during the holidays.
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Paying yourself first is a very popular phrase I came across when reading The Automatic Millionaire by David Bach. He also happens to be the one who created the movement around the “latte factor” but that’s one topic that deserves its own discussion. …