Journey & Adventure

I’ve been thinking a lot lately about my future.    Not necessarily next week or next month, but where I’ll be in 10 years from now.     At present, I’m working towards the goal of being debt and mortgage free in about 6 years, but then what?     I certainly won’t be able to retire at that time because I won’t have any substantial savings in which to support myself.     After the debt free goal has been attained, I still plan to buy a vacation property in the Caribbean, but I’ll only be able to enjoy a couple of times per year because I’ll still have to work to pay for the vacation home.   It would be fantastic if I could simply work in the Caribbean, but my options for employment will be hindered by the whole work visa issue.   Another option I’ve been toying with to avoid the whole work visa issue is to simply buy an existing business in the Caribbean.   But what business could I possibly be qua...

For years, J had always managed our finances and has done a good job.   With the usual exceptions of a mortgage payment, car payment and line of credit payment, we’ve managed to live relatively debt free, with money left over to go on holidays, buy toys, clothes, put money into savings, etc.   At the beginning of April, it was decided that I would start to look after our finances.   The main reason for the changing of the guard – J didn’t have the time to commit to it since he was busy with his night course.   I honestly think he grew tired of it and he grew tired of me questioning his banking methods.     So with that being said, I’ve been in charge and for better or worse - I’ve developed an addiction to analyzing, budgeting, planning, cutting back on spending and finding savings where I can.     We had a loosey-goosey budget before, but after we made it, we never really paid much attention to it.   Now, I’m an...