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Semi Sabbatical – Month 8

This month of our semi sabbatical has much more travel as compared to last month! We spent November in multiple places in the Northeast. We got to experience the transition from Fall into Winter, which was really nice. We primarily did housesitting through Trusted Housesitters this month, so it took us to places that we may have never thought of visiting!

Alexandria, VA

We housesat for two chill Great Pyrenees dogs and a little gray cat in the suburb of Alexandria, just 30 minutes outside of Washington D.C. We were not expecting to see as much fall foliage here, but we were pleasantly surprised by how much we saw!

On one of our running routes in the neighborhood, it took you through the woods where all the leaves were the perfect mix of fall colors.

Washington, DC

Although we spent most of our time in Alexandria, we still made it to DC! We primarily explored the Logan Circle area, where we enjoyed the local breweries and spent time with some old friends. One of the best parts about this semi sabbatical is that it is allowing us to reconnect with old friends. And lucky for us, the weather was uncharacteristically warm that day, so we got to hang out outdoors which was great!

Boyce, VA

We completed another housesit in the country of Northern Virginia, in a small town located 1.5 hours west of Alexandria. This log cabin was off a gravel road, surrounded by trees, in the heart of the Shenandoah Valley. The home had an amazing view of the valley and the trees as they began to lose their leaves during our stay.

We spent a day in Shenandoah National Park, where we got to hike in the valley and enjoy the solitude and the sound of the leaves crunching under our feet. I had never known much about this national park, but thank goodness we’re on this semi sabbatical that allows us to explore regions of this country we would have never thought to visit!

We heard there were some pretty sweet caverns in the area, so we checked out Luray Caverns. And although it seemed pretty touristy, it was still a sight to see! The mile stroll through the caverns seemed very surreal. It kind of felt like we were in a Disneyland ride! It was definitely worth it to see these crazy looking caverns.

Burlington, VT

Our next housesit was for the most adorable Pomsky right outside of Downtown Burlington, Vermont! We were just a 5 minute walk from Church St, a pedestrian only walking path amongst all the shops, restaurants and bars that Burlington has to offer. But what we were looking forward to most…was the beer!

We got to visit The Alchemist Brewery, home to the famous Heady Topper IPA. Not only did we pay a visit to buy multiple cans, but it is also the only place that serves it on draft. It started snowing right when we pulled up, which made it so picturesque and a gorgeous winter wonderland for our beer adventure!

We also made sure to try the other local breweries in the area as well: Foam Brewers, Idyletime, Von Trapp, Burlington Beer, Zero Gravity, and Four Quarters. They all had great beer, and I see why Vermont has become such a hub for craft beer!

Rochester, NY

We headed west to upstate New York, to the city of Rochester, for Thanksgiving! We housesat for a loving and sweet black Labrador, who enjoyed our company…especially when we were cooking food.

When we weren’t stuffing our faces with food, or watching World Cup games, we ran along Lake Ontario. Lake Ontario which pretty much looked like an ocean because it’s so big. You can’t even see across of it!

Niagara Falls

We couldn’t be in upstate New York and not visit this world wonder! We spent Thanksgiving Day visiting Niagara Falls…New York, USA, and Ontario, Canada!

From Niagara Falls, NY, you can cross a pedestrian bridge over the Niagara River to the town of Niagara Falls, Ontario. So we had lunch in Canada and enjoyed the full view of the falls from our northern neighbor!

Boston, MA

We capped off this month of our semi sabbatical of November in Boston, MA! We just arrived to our little Airbnb just outside of the city. We’ll spend the first week of December here, and we’re excited to explore New England!

Like what you read? Check out some of my other most clicked blog posts!

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Note: I am not a certified financial advisor/planner or a certified financial analyst or a CPA or an accountant or a lawyer. Remember, I am an allied health professional, just like you! This website/blog is for entertainment and educational purposes only. Please consult with your financial advisor(s) regarding your personal finance, investment, and tax matters.

Thanks for reading my blog! I use affiliate links to keep this blog and its content free for you, so I would be so grateful for your support by clicking below!

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Semi Sabbatical – Month 4

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Wow, time sure is flying during our semi sabbatical! This summer is going way too fast. And we’ve officially left the east side of Washington state and made our way to Portland! But not without a couple of other fun Washington getaways plugged in between as well.

Goldendale, WA

We started the Fourth of July weekend at Maryhill Winery, located on the Washington side of the Columbia River, about halfway between Portland and Tri-Cities. The view of the river from up on the cliff was breathtaking! And the wine and flatbreads made for a perfect summer lunch.

We also stopped by the Stonehenge WWI Memorial. The memorial is a full-scale replica of the original Stonehenge in England.¹ It overlooks the Columbia River, which makes it a great place to enjoy the sunrise and sunset. There is also a with a great diagram and explanation of why it was placed as a WWI Memorial, along with its use as a seasonal sun chart.

It’s like we’re in England! But way hotter and drier haha

San Juan Island, WA

We rode the ferry about an hour to Friday Harbor on San Juan Island from Anacortes, which the grandkids absolutely loved.

On the ferry over to San Juan with my dad and his wife!

We spent a few days at a gorgeous lakeside resort with my Dad and his wife’s side of the family in San Juan. While the other family members got to enjoy the glampsites, we got a lodge room with our own personal fireplace and lanai overlooking the lake.

We took a kayaking tour on the west side of the San Juan, which was so fun! We saw a few harbor seals, a fried egg jellyfish, and even a bald eagle. We also ate some kelp, which surprisingly wasn’t as gross as you would think. You can also see Canada across the horizon, which was mind blowing.

Seattle, WA

After we left San Juan Island, we spent a few days in Seattle housesitting, so that we could spend more time in the city with the family. We watched a Mariners game, walked around Pike Place Market, and enjoyed lunch at The Crab Pot.

If you wanna see some fish get thrown around, this is the place to go!

We even got to run around Lake Union with our friend who we met in PT school. Running really is a fun way to explore the city!

Leavenworth, WA

To break up our drive home, we stayed overnight in Leavenworth. Leavenworth is a Bavarian style village located about 2 hours east of Seattle. Before it was a Bavarian village, it actually was a logging and sawmill town. Unfortunately, the railroad was re-routed in the mid 20th century, leaving Leavenworth to fight to stay alive. So in the early 1960’s, they decided to change the town’s appearance to a Bavarian style village to attract vistors that may be passing though. And thank goodness for that, because now it is a top tourist destination in the Pacific Northwest!²

Wenatchee, WA

Once we left Leavenworth, we drove about 20 minutes to meet up with some of the family to go white water rafting! We were led on a 2-3 hour rafting experience down the Wenatchee River. While the temperature outside was hot and dry, the river water was quite cold. Good thing we had wetsuits! We all survived the rapids, and have great memories from this one of a kind adventure.

I got to “ride the bull” during this rapid!

Quincy, WA

On our way back to Tri-Cities, we decided to spontaneously stop at this random scenic overlook in Quincy. And we are sure glad we did! This view of the Columbia River was stunning, and it made me realize how big the river is.

Wow, this river is WAY bigger than I thought!

Benton City, WA

After a crazy busy work week back from our family vacation, we needed a little break. Since we’re still working a bit during our semi sabbatical, we figured it’s time to take another quick break and go explore again!

So we headed to Benton City, just outside of the Tri-Cities area, to a winery call Terra Blanca. This winery is located on the slopes of Red Mountain, and their outdoor terrace has a breathtaking view of Yakima Valley and their vineyard. I see why this part of Washington state is considered the “Heart of Washington Wine Country!”³

Bend, OR – Round 2!

The best part about a semi sabbatical is that we are slow traveling. This means that we can revisit cities that we enjoyed! So, on a whim, we spent a weekend in Bend, Oregon … again! This time, we brought along his parents. We walked along the Deschutes River the evening we arrived, which was Deeks’ favorite part.

The hubby and I did the Pilot Butte hike – a quick but steep climb overlooking the entire city of Bend!

View from the top of Pilot Butte – you can see all Three Sisters!

Then we met up with his parents and hiked the easy nature trail to Benham Falls.

The rest of the day we walked around the Old Mill district. There were so many tubers out on the water! It was truly a sight to see, and next time we’ll make sure to rent some tubes and float down the river!

We ended up in Downtown for the evening, eating and drinking along the river at Bend Brewing. We met up with our friends that live in Bend, and it was so nice to see them again.

Portland, OR

After almost 2 months of our semi sabbatical with the hubby’s parents, we finally are saying goodbye. We’ll miss spending time with them, but we are ready for our next adventure!

We’re heading to Portland for a week long housesitting gig! Stay tuned for next month’s post to see all the fun and new places we’ll be heading. And I’ll give you a little spoiler alert – we will be leaving the Pacific Northwest in August!

If you want to follow us on our semi sabbatical journey, check out our Instagram!

Want to travel more, or want to to learn ways to save your money? Check out some of my other blog posts:

If you want one-on-one mentoring in your finances, let’s work together to help you on your personal finance journey! Click here to sign up for your FREE 20 minute consult.

Note: I am not a certified financial advisor/planner or a certified financial analyst or a CPA or an accountant or a lawyer. Remember, I am an allied health professional, just like you! This website/blog is for entertainment and educational purposes only. Please consult with your financial advisor(s) regarding your personal finance, investment, and tax matters.

Resources:

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Tips on How To Achieve a >50% Savings Rate

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We finally went over our finances from 2021, and we are so happy with the outcome! Our savings rate was over 50% – way past our goal of a 30% savings rate for the year! This means that on average, every month, we were able to save more than half of what we earned.

We calculate our “savings rate” as follows: Monthly Net Income – Spending, divided by Monthly Net Income, multiplied by 100 to get a percentage. So this number doesn’t even take into consideration the pre-tax dollars that my husband contributed to his 401(k), which he maxed out for 2021. And I also didn’t take into consideration cash that I earned from reselling items in person off of Facebook Marketplace or OfferUp. So this savings rate number is slightly below what we actually saved in 2021!

A 50% savings rate is pretty extreme, and it isn’t that easy. We worked our butts off in 2021, earning much more through new jobs, pay raises, and side hustles. Keeping a strict eye on the budget and sticking to it every month was crucial. We had to really think about our core values, and make sure the money we were spending was in alignment with those values.

But, like any habit, we got the momentum going, and we found that saving that much every month started to come more naturally to us. For 2022, we don’t have as lofty of a goal as a 50% savings rate, but with the more frugal and fulfilling lifestyle choices we made in 2021, we have no doubt that this will carry over into the new year.

Here are some tips for increasing your savings rate:

1. Increase Your Income

This is the most obvious, but certainly not the easiest, way to increase your savings rate. Maybe you ask for a raise. Or you quit your job and find a new job with higher pay. Or maybe you take on a side hustle that earns you extra money on the side. Making more money automatically gives you more to save versus making less money.

In 2021, I quit my full time job at an outpatient PT clinic and took on multiple part time PT jobs. All these part time jobs together still equaled to about 40 hours a week, but I made over $10,000 more than the previous year while still working the same amount of hours, with less stressful work environments! I also took on a couple side hustles: private pay clients, reselling stuff, my Etsy store selling digital downloads, and starting this blog. My husband, as a clinic director for a PT clinic, earned a significant pay raise for 2021, as his clinic did extremely well in 2020 despite the pandemic. This extra income allowed for us to put more towards our savings rate

2. Make a Budget To Account For Your Savings Rate

To know how you spend your money and where it’s going, you need to track your expenses. To start making a budget, I look at the last 2-3 months of spending and see what areas I spent in the essentials (rent/mortgage, electricity/utilities/water, groceries, internet, health/car insurance, etc) and the not-so-essentials (restaurants/fast food, clothes, streaming sites, etc.).

Once you do this, you may be surprised at some areas to see how much you’re spending and not spending. But by tracking your expenses, you’ll start to get a better idea of where your money is going.

I started making a budget on a good ol’ Excel sheet. But I have found that using Mint has been really good for my family! You can also track expenses on Personal Capital as well. There are so many ways to track your expenses. Find what works for you!

3. Focus on Values Based Spending and Decrease Non-Essential Spending

This takes a little digging into your newfound budget and seeing what areas you can cut down in, in order to make sure your money is going towards things you truly value.

For me, I could care less about cable television. So instead of paying a monthly fee for cable, I bought a $15 TV antenna off of Amazon and that gets us NBC, ABC, Fox, and CBS. Which we rarely use anyway, but it’s nice when football season comes around or we want to tune in to American Ninja Warrior.

Before we joined the FIRE community, we realized we were spending a lot of money on restaurants. We actually really enjoy cooking together, and we realized that we get more joy out of doing instead of going out to eat all the time. So we decreased our spending in our restaurants category, but our groceries we increased a little bit to accommodate our dining in adventures. We still eat out every now and then, but mostly it’s when we are meeting up with friends or celebrating a special occasion. And we are happy with our choice.

But remember, personal finance is personal. You will need to reflect on what brings you joy, and decide how to budget for what you value.

4. Find Free and Cheap Activities in Your Area

I’m lucky enough to live in Southern California where I can be outdoors almost every day of the year! I love riding my roller skates around the neighborhood, going for a long run on the beach, finding a new hiking trail, and packing a picnic and going for a long drive into a new area.

When the weather isn’t too great, I like to try a new recipe, play board games, have a movie night, and set up video chats with family and friends to stay connected.

Although we enjoy going to breweries, we now tend to buy more take-home beers from local breweries to enjoy at home. We save some money, the beer still tastes great, and I can enjoy it from the comfort of my couch in my sweatpants.

You don’t need to spend money to have fun! Our consumerist society has just made us think we need to spend money to have fun. Get creative! Or you can check out this post by Michelle at Making Sense of Cents: Fun, Frugal, and Free Activities

5. Set Short Term and Long Term Goals

Having a tangible goal set up will help you stay on track. But as a PT, I like to create short term goals to help me achieve my long term goal.

Let’s say your long term goal is to have a 30% savings rate for the year 2022. Here are some options for short term goals:

“For January 2022, I will cut my restaurant spending by $50 as compared to last month”

“In the first quarter of 2022, I will increase my income by $100 via *insert side hustle here*”

“For the first half of 2022, I will have an average of a 25% savings rate”

Having short term goals set up helps you to not only stay on track, but can help keep your momentum going. You may find that you’ll be more excited about meeting your short term goals than you think!

Here are more blog posts to read about savings:

If you need help increasing your savings rate, or if you want mentoring in your finances, let’s work together to help you on your personal finance journey! Click here to sign up for your FREE 20 minute consult.

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StudentLoanAdvice.com was created to help ease your anxiety and take charge of your future by providing answers for optimal student loan management. Click here to reach out today!
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Breaking Down Dave Ramsey’s Baby Steps 5-7

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updated October 31,2022

Time to continue the last steps of Dave Ramsey’s Baby Steps Program!

Okay, so you have a solid amount in your savings just in case sh*t hits the fan. You paid off your debt. And now you’re planning for your future retirement. You’re crushing it!

These next few steps are more intermediate-advanced level, so if you are not ready for that, I would recommend going back and reading my post, Breaking Down Dave Ramsey’s Baby Steps 1-4, so you can build a foundation for these next few steps. Let’s keep planning for the future, pay off that mortgage (say what?!), and build your wealth!

This image has an empty alt attribute; its file name is screen-shot-2021-12-01-at-6.07.28-pm-1.png — Screenshot from Dave Ramsey’s Baby Steps Program

Baby Step 5: Save for Your Children’s College Fund

For those of you that have a family and children, this is probably something you may have already thought about even before you had your first child! Dave Ramsey recommends 529 college savings plans, or Education Savings Accounts (ESA).

ESA’s work similarly to a Roth IRA, as you invest post-tax dollars per year, per child. As of writing this post in December 2021, you can invest up to $2,000 per year, per child. And just like a Roth IRA, this money will grow tax free! If you invest $2,000 every year up until your child graduates high school, with an average stock rate of ~12%¹ that can provide over $100,000 to go towards their education. Caveat to ESAs though: you must make under $190,000 in modified adjusted gross income ($95,000 for single filers) to create an ESA for your child, and these funds MUST be used by the beneficiary before they turn 30

If you want to invest more, or you and your spouse make more than $190,000 in modified adjusted gross income, a 529 plan would be the way to go. A 529 plan allows much higher contribution rates with no income limits, grows tax-free, and typically doesn’t have any age restrictions. Some of these plans can even allow you to move the funds from one family member to another, in case little Timmy decides to go into a vocational school and has leftover money for his brother Billy who wants to go to veterinarian school.

But Dave Ramsey warns that not all 529 plans are created equal – find plans that allow you to choose what funds you invest in. These plans are typically called “flexible” plans. The “fixed” or “life phase” plans can freeze your options or automatically change your investments based on your child’s age.

Baby Step 6: Pay Off Your Mortgage

This step is the most debated topic that gets a lot of scrutiny of all of Dave Ramsey’s Baby Steps. Dave Ramsey is all about paying off debt. All. Of. It. So this includes your mortgage. According to the Federal Reserve Bank of New York, mortgage balances—the largest component of household debt—rose by $230 billion and stood at $10.67 trillion at the end of September for the US.²

At this point, your mortgage is the only thing keeping you from true financial freedom. Putting any extra money you may have towards paying off your mortgage can save you thousands of dollars in interest!

Baby Step 7: Build Wealth and Give

This final step is what we all want – true financial freedom! You have no debt to pay. You are financially secure. With your newfound wealth, you can start to plan giving while you’re living your financially free life. As you keep building wealth, you can become more generous. That sounds like the dream to me!

I hope you found these break downs of Dave Ramsey’s 7 Baby Steps to be helpful for you on your path to financial independence. As someone who has done (and is currently working on) some of these steps, it’s a great guideline to give you control over your finances.

If this blog post makes you feel overwhelmed about your financial situation, read my blog post on 3 Ways to Recover from Financial Mistakes. We’re all human, we all make mistakes. But it’s about how we learn and recover from this mistakes, that will make our future bright!

https://www.ramseysolutions.com/dave-ramsey-7-baby-steps#baby-step-5

Note: I am not a certified financial advisor/planner or a certified financial analyst or a CPA or an accountant or a lawyer. Remember, I am an allied health professional, just like you! This website/blog is for entertainment and educational purposes only. Please consult with your financial advisor(s) regarding your personal finance, investment, and tax matters.

Thanks for reading my blog! I use affiliate links to keep this blog and its content free for you, so I would be so grateful for your support by clicking below!

Student Loan Planner works with you to help customize a plan to most efficiently pay off your student debt! Click here to book your free consult today!
Trusted HouseSitters is our favorite way to find free lodging through vacation pet sitting. Click here to learn how you can become a pet sitter, or request a house sit!
DankLite is the premier manufacturer of hemp & CBD-related products. Click here to see their line of amazing products!
Tello is a more affordable cell phone company that can help you create your very own Custom Plan. Combine minutes, texts & 4G data as you want. No contracts or fees, only the flexibility to upgrade or downgrade your plan anytime. Click here to get started with Tello today!

What is Passive Income?

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updated October 6, 2022

Read on to learn about ways to help your money grow for you!

A key part of achieving financial independence is to create passive income streams to allow you to retire from your 9-5 work and live off of passive income. But what does it mean for income to be PASSIVE?

What is Passive Income?

I’ll put this in allied health terms – which is how I understood it better when I first learned about this. When movement is ACTIVE, the patient is moving their body on their own volition and activating their muscles to create the movement, while the allied health professional such as a PT or an OT, sits nearby and watches. When movement is PASSIVE, the patient does no work, and the PT/OT places their hands on the desired body parts and moves it for the patient, allowing the patient to lay back and relax.

Now if you’re the patient, what sounds better to you?

Bringing it back to how this relates with income, you want your income to come in without you lifting a finger at the time the money is coming in. You want to be the patient in this scenario!

Is Passive Income Totally Passive?

Not quite. Sure, passive income streams require some work on the front end. But once you put in that work on the front end, you can ride it out for as long as you please. Passive income allows you to let money for you while you sit on the beach in the Caribbean on a Wednesday in January.

What are Examples of Passive Income?

Here are some of my favorite examples of passive income:

Long Term, Low Cost Index Funds

I love index funds so much as a form of passive income. You can read more about them from my earlier blog post by clicking here.

In a nutshell, index funds are mutual funds or exchange-traded funds (ETFs) that are designed to track the performance of stock market (or bond market) indices such as Dow Jones, NASDAQ, and the S&P 500.¹

The philosophy behind index funds is that this type of investment allows you to pay low fees, brings diversification of a few asses classes, to which you hold onto for the long term.

Plus, it also allow you to not worry about spending your precious time researching different stocks, and having to pick and choose which ones you think will do well.

High Yield Savings Accounts

I am also a big fan of the good ol’ HYSA – read more about it in this blog post. It’s not a ton of money coming your way, but it’s way more than the low APY your average brick and morter bank is giving you.

While a traditional savings account has a 0.01% APY (eww), HYSA’s have on average around a 0.5% APY (yay!). When you take compound interest into consideration, you can rest assured your money is not losing its value over time.

Cash Back Rewards Cards

I only advocate credit cards if you are a responsible spender with ZERO consumer debt. But if you are, take advantage of some awesome credit cards that have cash back rewards.

I personally love my Costco Anywhere Visa, since we shop at Costco all the time, including gas. With cash back rewards of 4% on gas, 3% on restaurants and travel, 2% on Costco, and 1% on literally everything else, it is definitely worth it for us. But do your research, and find what cash back rewards cards would work best for you and your situation!

E-Printables and Digital Downloads

I am not a graphic designer by any means. But I started my own Etsy store, The Great Cardsby, where I create digital downloads of beautiful scenery that I’ve stumbled upon during my travels. I love traveling, and I want to share my travels with the world, and what better way to also make some money off of it through Etsy?

These digital downloads are sent to the customer immediately after purchase, so you don’t have to do any work once you’ve put it on your site. Plus, this gives the customer more freedom to choose the size and printer that they would like to use for their download. I always find it fun when I’m on vacation and I see in my email that I made some money off of one of my Etsy store collections!

Real Estate Investing

So real estate investing takes a good amount of planning and research to do correctly. But whether you decide to do buy-and-hold, short term, or medium term rental properties, it’s a great way to make passive income down the line! For us, we took Paula Pant’s Your First Rental Property Course, because we knew NOTHING about how to invest in real estate. And honestly, taking this course was the best decision we had ever made! It gave us the education we needed to make sure we invested in real estate the right way.

Affiliate Marketing

This is one of the main ways I started making my money off of this blog! My first two affiliates, Student Loan Planner and Trusted HouseSitters, give me special links that I put in my blog posts. Since access to my blog is free, affiliate marketing gives me the chance to make some money off of your visit, because when you click on that special link and purchase something from them, I get a percentage of the cut. I just have to remember to put the links in when I post my blog!

Website with Online Advertising

So I’m still working on this aspect of my website, but having advertisements on your website is a great way to make some cash on the side, and this is even easier than affiliate marketing. Every time you get someone to visit your site, if they see the ad, you get paid. And sometimes, if they click on the ad, you may get paid more! I will edit this post and have more details once I figure this out more on my end. Be patient with me, I’m still new at this blog thing 🙂

As you can see, some of these ideas do take some time on the forefront to get started. But once you set these up, you’ll see how easy it is to make passive income whenever you want.

And there are so many other forms of passive income! I selected these because I know the most about these, but I would love to hear more ideas. Comment below with ways you make passive income!

Vicki Robin, Your Money or Your Life, Revised edition (New York, NY: Penguin Books, 2018)

Like what you read? Check out some of my other most clicked blog posts!

If you want one-on-one mentoring in your finances, let’s work together to help you on your personal finance journey! Click here to sign up for your FREE 20 minute consult.

Thanks for reading my blog! I use affiliate links to keep this blog and its content free for you, so I would be so grateful for your support by clicking below!

Student Loan Planner works with you to help customize a plan to most efficiently pay off your student debt! Click here to book your free consult today!
Trusted HouseSitters is our favorite way to find free lodging through vacation pet sitting. Click here to learn how you can become a pet sitter, or request a house sit!
DankLite is the premier manufacturer of hemp & CBD-related products. Click here to see their line of amazing products!
Tello is a more affordable cell phone company that can help you create your very own Custom Plan. Combine minutes, texts & 4G data as you want. No contracts or fees, only the flexibility to upgrade or downgrade your plan anytime. Click here to get started with Tello today!

Check Out StudentLoanAdvice.com, our new affiliate partner!

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