Johnny Moneyseed ← Spend Less. Work Less. Retire Early.

Pay yourself first. Here’s how. Part 2 9

May

2013

Here’s an obvious yet terrifying fact: Nobody’s going to save money for you. So, if you’re not willing to save then you’re kind of shit outta luck with no one to blame (besides yourself). The government may be saving money for you too, but who really wants to rely on that? While it doesn’t hurt ...

You really, really can save money. Here’s how. Part 1. 18

May

2013

We all know by now that the only reason that we aren’t all rich is because most people spend more money than they make. Since you’re reading a personal finance blog, and I’m writing one, I think it’s safe to say that we don’t want to be the type of people that have steady paychecks ...

Do you have an emergency fund? 38

May

2013

When you’re living a fast-paced lifestyle, or just a regular one like me, you may come across some out of the ordinary expenses that can impact your financial world pretty substantially. Especially when you aren’t prepared. But, guess what. Being prepared isn’t difficult whatsoever, it takes almost no mental effort and hopefully no physical effort. ...

A small setback in our Real Estate plans 21

May

2013

I had a revelation a couple of months ago that we lived too far away from our place of employment and that the mortgage on our current house was way too big. We were rushed into buying it originally and didn’t do any prior research to see how houses in the area were priced. Instead ...

Having a high income doesn’t make you “rich” 33

May

2013

One thing that drives me absolutely mental is the current American cultural definition of the word “rich”. Back in the day if you were rich you owned cities, or huge areas of land, maybe an island or two. You at least had your own skyscraper or oil mine. Today, a family that has a gross ...

Questions from the mailbag about Early Retirement 34

May

2013

Having plans to retire early has landed me a decent amount of criticism so far and I’ve only been open about my plans for the past 4 months now. I can understand why, since it goes against the social grain and it may seem like a slap in the face to so many people that ...

A meet and greet with Johnny Moneyseed 24

May

2013

Over the past couple weeks the traffic to this site has increased rather significantly. Almost half of our current readers are fairly new to the Johnny Moneyseed community, so I’d like to do a little bit of re-introduction to how things go down around here and why this site exists. First of all, hello! You ...

Learn how to invest when you still have debt 40

May

2013

During our Debt Days all I could think about financially was our Debt. I wasn’t thinking too far into the future. Just far enough so that we could completely eliminate our Debt. One day, as you could imagine, I was sitting behind my computer getting ready to make my last Debt payment EVER, which should ...

Earning “Free” Money, Five Cents at a Time 40

Apr

2013

Preface by J. L. Moneyseed: A couple weeks ago Mr. 1500 made a debut guest post on this site. He’s a Gen Xer, who is attempting to retire by age 43, like a boss. The clear choice for a follow-up guest post on Johnny Moneyseed had to be from a highly-motivated member of Generation Y. ...

A semi-rant about other people’s spending 44

Apr

2013

Whenever someone tells me about their flagrant financial habits my blood pressure rises and I’m pretty sure I start steaming from my ears. It takes everything inside me to not grab people by the shoulders and let the negative energy explode from my mouth with a raging verbal assault. Back in February of this year ...