Author Archives: ska@thejollyledger.com

The Ledger – November 2017 Expense Report

Despite some unusual expenses, we stayed well below our monthly budget in November. What are some of these expenses, you say? Trip to Mesa Verde Veteran’s day weekend, November 11-12, were free national park days. We decided to take a … Continue reading

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Financial Planning for 2018

Three years ago, we started an action plan to retire in early 2021. Today we are nearly 60% to our goal. Over the next two years we aim to save an additional $175,000, invested in low-cost index funds (we use … Continue reading

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Church of FI –Unexpected and October expense reports

Two years ago when metal prices tanked, my company cut all raises to 0%, and last year we received a meager 2% raise. As a result, incomes have fallen behind market value. I knew this but I am too lazy … Continue reading

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The Big Scratch – November 2017 Net Worth Report

Holy shit! We just surpassed $800,000 in net worth! We are well past our year end projections of $784,000. I wish I knew what hashtags were; this might be hashtag worthy. As you can see, our investments have seen steady … Continue reading

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The Ledger –October 2017 expense reports

In October, Mr. TJL broke a tooth and needed a crown; a major dental expense. How expensive, you ask? $1290! Luckily, our insurance covers 50%, but we are on the hook for $645. As a result, we have exceeded our … Continue reading

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In Search of Purpose

I expected Jeffrey Tambor’s memoir, “Are you anybody?” to be a funny read but instead it proved to be reflective and thought provoking. He recalls teaching an acting class in which one talented student, a girl, was just killing it … Continue reading

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Church of FI – Self-made millionaire and September expense reports

The average time it takes to become a self-made millionaire is 32 years . By the time I retire in 2021 with a net worth of over 1 million dollars, I will have put in 16 years at my current … Continue reading

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The Big Scratch – October 2017 Net Worth Report

Since the beginning of the year, our investments have earned over $50,000 (earned not contributed)! That is a whole separate salary! The earnings are due to a strong market but, I insist on taking the time to revel in it. … Continue reading

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The Ledger –September 2017 expense reports

September was a birthday month for Mr. TJL. He is a grand 43! To celebrate we went bowling with some close friends. His driver’s license expired; he renewed online. We thought this would be relatively easy and way better than … Continue reading

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Planning for “enough” for FIRE

I tend to waffle back and forth on how much we actually require for FIRE. Save too much and I risk working too long. Save too little and I end up scrambling for work late in life for a lower-wage … Continue reading

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