This is Kelsey's Typepad Profile.
Join Typepad and start following Kelsey's activity
Join Now!
Already a member? Sign In
Kelsey
raising boys | writer, podcaster, optimist
Recent Activity
Image
Although I'm a little behind on this update, staying accountable is helping me to stick to my monthly personal allowance budget. So, here's what I spent in March: $6.46 - Trolls soundtrack for the boys. Sadly, they weren't as into this as I had hoped so it didn't feel like... Continue reading
Posted 6 days ago at RISING*SHINING
Thank you, Amanda! What a sweet thing to say. I appreciate it. :)
Toggle Commented 7 days ago on April catch up at RISING*SHINING
That is adorable!!
Image
When I set my word of CHOOSE for 2017 I was interested to see how I would manifest it in my life. I said that above all else I want to CHOOSE family and writing this year, the two things that are most important to me. At the time I... Continue reading
Posted Apr 14, 2017 at RISING*SHINING
Hi Penny, Thanks for the great question, and I should definitely clarify...the standard advice is to contribute to your pension/401K before any other type of savings and I agree. That's because of the tax advantages and the matches that often come with employer-based retirement programs. So that should always be step one if it's available to you. The personal savings provides two levels of control and flexibility, which is why I see it as the backbone even if you have a good employer-based retirement plan: first, the more you can contribute to it, the more you build a more satisfying life living on less. Because of course the more you put away, the less money you give yourself to live on. If you can restructure your life to be a happy one at a $40K (or $30K or even smaller) cost of living, the easier it'll be to retire on less money in the end. So personal savings trains you to find more satisfaction as you ease out of the rat race. Second, I see standard retirement plans as the 'default retirement setting.' But the more aggressive you can get with personal savings, the sooner you have options regardless of when standard retirement accounts become available to you. Once you build up a strong savings, you can make decisions about whether one or both spouses work, or whether you retire earlier than normal, or whether you travel more, etc. So it opens up that vital retirement-like flexibility before standard retirement age. I hope that helps! -Chris
Toggle Commented Apr 3, 2017 on episode 43. Let's talk retirement! at Matrimoney
On this fun episode, we overcome insane allergies (thanks global warming) to talk all things health. We cover what we think of as health (it's pretty comprehensive), how we support our own health and that of our family, and what we spend on health-related stuff. (Chris also mentions a great... Continue reading
Posted Apr 3, 2017 at Matrimoney
Hi! I moved offices again last October and since they haven't been using my kneeling chair, I think because I got a better regular desk chair. But I still spend the majority of my time standing at my standing desk, which I LOVE. The key is to get a good quality very cushy mat. I slip off my shoes and stand on it in just my little no-show socks. I stand the majority of the day. I did have to work up to it but I just love it.
Toggle Commented Mar 22, 2017 on The view from my new desk at RISING*SHINING
Today's episode is a doozy! After chatting about a phenomenal day date we had (facilitated by College Nannies and Tutors - check them out here and let them know we sent you!) we discuss all things retirement! We got inspired by Kelsey becoming vested in her employer-based retirement account (YES!!),... Continue reading
Posted Mar 20, 2017 at Matrimoney
Yes, yes, yes! I am right there with you. We've been on a simplifying path for a while but lately I find myself craving it even more, especially in things tied to our schedule. Perhaps now that we tackled other areas of life - stuff and budget - I'm moving on to our calendar and wanting to simplify. How great that you've been able to find big, important things within a small sphere - keep it up!
Toggle Commented Mar 18, 2017 on episode 42. Spherical living at Matrimoney
Thanks, lady!
Toggle Commented Mar 15, 2017 on What I spent: February 2017 at RISING*SHINING
Hahaha, I love it!
Toggle Commented Mar 15, 2017 on What I spent: February 2017 at RISING*SHINING
Hi Shawn, Thanks for the comment. We do have a snapshot to share as we actually have our budgets all the way back to 2009-2010 (and we bought our house in '09). Things were quite different for us then: we had no kids (now we have two), we had two cars (now we have one), and we hadn't taken a lot of the simplification steps that have driven down many of our bills in recent years. Even so, we did feel comfortable at the time to buy a house, but there are definitely things I'd change. For instance, we were content having saved up enough for a 10% down payment ($20K on a $200K house). But that meant we were stuck with PMI. If I were to buy a house today, I wouldn't do it until I had at least 20% to put down to avoid PMI. At the time, we were less concerned because we were buying at the recognized bottom of the market, but today of course that would not be the case. Aside from the down payment, the mortgage we had ($1240) represented ~1/3 of my income alone, which was about $3750/mo at the time. Because Kelsey was also working, we knew we could afford it even if we dropped to one income. So for us, it was all about affordability and buying modestly. From that perspective, we didn't have to worry too much about how the mortgage would financially fit because we had loads of breathing room. (Interestingly, I can remember being approved to buy a house worth well north of $300,000, which at the time would have bought something BIG. I also remember thinking how crazy that was to even consider spending so much money on a whole bunch of house no one needs.) I guess the moral of our story is a) we bought the amount of house we felt we needed. Because more house just means a higher mortgage, more upkeep, more open space to fill with stuff, and bigger utility and other bills. b) We took advantage of timing (not always possible but good to do if you have the patience and flexibility). c) If I could do it again, I'd put down 20% or more. I hope that helps! -Chris
Toggle Commented Mar 15, 2017 on episode 42. Spherical living at Matrimoney
Hi Melissa! Sorry for the delay - updated the show notes with my family's recipe for "injury balls" haha! Enjoy! And oohs salt n vinegar chips YUM YUM!
Toggle Commented Mar 15, 2017 on Snacks & Hats on a Monkey at Girl Next Door Podcast
Yay!! Thank you, Anne! Happy snacking!
Toggle Commented Mar 15, 2017 on Snacks & Hats on a Monkey at Girl Next Door Podcast
Oh my gosh, what a twist!! Haha, def would not have guessed that, uh oh!
Toggle Commented Mar 15, 2017 on Snacks & Hats on a Monkey at Girl Next Door Podcast
In this episode, we chat about the joys of having no weekend plans, Apple TV, and delicious desserts. In Money, we offer a snapshot into our bank accounts, giving you all our balances down to the dollar as well as where we're at with our major savings goal (you can... Continue reading
Posted Mar 7, 2017 at Matrimoney
Image
After Chris and I both did a great job in January of staying within our personal allowance budgets we decreased our budgets. Chris decreased his from $150 to $80 and we decreased mine from $150 to $100. Note that we also have a joint personal allowance budget each month of... Continue reading
Posted Mar 2, 2017 at RISING*SHINING
We will have to compare notes then. There are so many plants that I like but I have a SUPER hard time making a decision and could use another opinion.
Toggle Commented Mar 2, 2017 on Goals - March 2017 at RISING*SHINING
Image
The year is trucking along and it feels like a good time to check in on my 2017 goals and recommit to them. At the beginning of the year I was reminding myself of CHOOSE on a daily basis and reflecting on gratitude often. February ended up feeling so full... Continue reading
Posted Feb 28, 2017 at RISING*SHINING
Ah, so good. I might re-read that one this fall. Henrietta Lacks will definitely take you in a completely different direction but will also give some incredible perspective. That's one I could see re-reading as well. ENJOY!
That sounds so incredibly satisfying, especially ahead of a fresh start at work!
Toggle Commented Feb 28, 2017 on Goals - February 2017 at RISING*SHINING
Looking forward to discussing! I just love that author.
Toggle Commented Feb 28, 2017 on Lately at RISING*SHINING
Haha, I like that you put so much energy into whatever phase of life you are in. I guess you just have to embrace your nature!
Toggle Commented Feb 28, 2017 on For the love of finishing things at RISING*SHINING
Awesome, high five, friend!
Toggle Commented Feb 28, 2017 on What I spent: January 2017 at RISING*SHINING