Change of Plan! Can We Take a Shortcut Out of Debt?

Yes, it’s a cliché, but it’s also very true: Life is what happens while you’re busy making other plans.

Our plan was plain and simple: Earn money, budget, set aside the difference and pay off debt like there’s no tomorrow.

So far so good, it’s pretty straightforward and one can never go wrong with paying off debt.

Then life got in the way a bit.

Friday Frugal Confession: I’ve Been Buying Lunch at Work


“Buying lunch? I don’t even know who you are anymore!” 


Yes, it’s true.


The number one ‘rule’ in the life of frugalism would probably be to brownbag your lunch. (I’m putting ‘rule’ between quotation marks here as J. Money pointed out that actually, there are no rules! I couldn’t agree with him more.)


There is absolutely no need to spend 5 to 10 bucks on a sandwich outside the house when you can bring your own damn slice of bread to work.


Making this change alone saved me 80 euros each and every month compared to the younger, more casually spending Mrs. CTC.


All it takes is a little planning and a sexy lunchbox, and as I experienced I was eating much better and healthier once I started taking on this habit.


But this new job has got me eating out, spending a whopping 10 euros a week already! It’s a bit cheaper here than at the old place, but it’s still a waste of money in my mind.


We’ve Lost Our Financial Mojo

As I shared with you a few weeks back, April kinda sucked.

Only financially speaking, don’t get me wrong, otherwise life is pretty damn good.

Also, I started my new job just last week. Life got even better because of it.

As it appears it’s not at all bad to be a public servant, I very much like the atmosphere and the vibe around the workplace. I can’t think of a better way to describe things than as being much more… human… than what I am used to.

Add the absence of a real commute and color me happy.

As a result of all this however, we sort of lost our connection with our Big Financial Goals, or so it feels.

Pursuing Financial Freedom? Good News: You’re Already Free!

Today it’s liberation day in The Netherlands. On this day we celebrate being liberated by the Americans, the Brits and the Canadians (among others) back in 1945, ending our occupation and World War II.

‘What does freedom mean to you?’

That’s the question prevalent in media coverage every year around this period. I think it is very good to take the time to contemplate on this every once in a while, so that we here in the ‘free world’ don’t take our liberty for granted.

Since we are virtually hanging out here discussing financial freedom and all, I couldn’t let this opportunity pass. What does freedom mean to me?

The Change You Want to See – Putting Our Financial Goals Into Perspective


Be the change you want to see in the world.

Yep, that would be Gandhi right there.

You know this warm and fuzzy feeling you can get when you think of how smart you are, managing your finances and everything?

Watching the debt amounts shrink, your savings and investments grow, fantasizing about all the wonderful things you’ll do once you’re financially free? Patting yourself on the back just a bit? You know who you are.

I certainly felt this way, and then some. Until Maggie happened.

Monthly Report: April Kinda Sucked.

Can I call this a ‘monthly’ report when it’s actually the first report I’m ever doing?

I thought it would be a good idea to start periodical statements since I love to read those of other people. It’s inspirational to learn about other people’s successes and comforting to learn about their ‘failures’.

Well, prepared to be comforted. As I said, April kinda sucked. And when I say it sucked, I mean that it scared the living daylights out of me.