low income

structure and flexibility on a desk

Adding Structure and Flexibility Into Goals, Routines, & Systems

Structure and Flexibility In My Personal Life

There are a few different ways that I add structure and flexibility into my daily habits. The daily outline I made up for myself has ample downtime as well. Time for work, socializing, my relationships, and fun are all considered. It is not a “schedule.” This outline allows me to be more open to changes in my daily life.

I also use a certain vocabulary with myself to stay on track of progress. For example, I have an eating plan rather than a diet. I use a spending plan instead of a budget. The path to retirement is a journey, not a plan. My career is a path, rather than a ladder. My mindset is that of a student, always growing and learning. Practicing mindfulness meditation rather than trying to not think or stop thoughts, is how I meditate.

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Piggy Bank

How Can the Financial Independence Community Assist Low-Income Earners

Assisting Low-Income Earners: The Tweet that started this post

I recently connected with a few FIRE folks on Twitter in an elongated discussion about how to best assist low-income earners. The example stated in the thread was a single mom of 3 making $10.68/hour working 60 hours 6 days per week making a gross income of around $33,000 by @Makerealcents.

@Makerealcents Tweet that started the discussion

Those engaged in the thread agreed that more needs to be done to assist low-income earners, as this is something, I am passionate about. When I started my FI journey I was making about $10.50 plus benefits, working 40 hours a week.

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Back to Basics: Basic Personal Finance

Back to the Basics of Personal Finance

In late 2020, I’m going back to Dave Ramsey’s Baby Step 1 of basic personal finance. That first step is a $1,000 emergency fund. I have to rebuild the emergency fund. My current recklessness just cost me a couple of hundred dollars. Since I need to build back up that few hundred dollars I thought I would create a basic personal finance post.

Practice, Practice, Practice

 Why? Star athletes practice constantly. Coaches emphasize the importance of fundamentals. I’ve slowly noticed I’ve become a bit arrogant about finances and need a bit of a reality check. Maybe it might help others; maybe it will get other people on board. Let’s just see where it takes us.

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