Denali Northern Expenditure
January 2018 Plan Update

January 2018 Plan Update

January was a crazy month for the Banks family. The kids started swim after school twice a week which has been quite an adjustment for all of us. On top of that, we’ve had some big responsibilities at Church. We’ve also been trying to get our Merch shirts organized so it’s easier to relist them if they don’t sell and Amazon takes them down. So lots of awesome, productive things going on, but really busy.

The Numbers:

Want to know how easy it is for us to write these every month? I literally just log into my Personal Capital and revel in all the numbers being in one place. Do you like checking numbers? Do you like graphics? Do you like playing with calculators like retirement calculators and how much your fees are costing you? Then, you should obviously use my affiliate link to Sign up here to help yours truly speed toward financial independence! (Also feel free to read my more in-depth review of Personal Capital.)

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Following the Money: In Practice

Following the Money: In Practice

One of the big entrepreneurial concepts is following the money. If you haven’t figured out how to get paid or you’re not chasing the pipeline that is actually paying you, you’re doing it all wrong.

Following the Money

As you know, our current most lucrative side hustle is selling shirts. When we realized the potential of selling shirts, we had to hit it hard (getting 1500 listings on Amazon takes real work!).

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2018 Non-Financial Goals (and 2017 recap)

2018 Non-Financial Goals (and 2017 recap)

I like to also set non-financial goals here at Northern Expenditure because life is worth living for more than just money!

2017 Goal Recap:

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The Great Banks Merch Challenge January Update

The Great Banks Merch Challenge January Update

As a reminder, we’re attempting to pay for our 27-day Europe trip and all the extra payments toward our mortgage until it is gone with nothing but selling shirts on Merch by Amazon.

First off, this trip is not cheap. We’re not trying to do it all that cheaply. We’re taking our kids to some of the most expensive countries (we’ll reserve our next international trip for Cambodia!). But we also really wanted to stretch ourselves this year with our t-shirt sales, so we decided to add in our mortgage to really make things interesting. Also remember that most t-shirt sales come in October-December, so it’s going to look pretty bad here at the beginning of the year as we keep spending, but don’t make as much. But hopefully, by December, everything will come together in magical ways and we’ll pay for our whole trip plus our mortgage with just t-shirt sales! Wish us luck!

I’ll be providing quarterly updates. This one is 2017 Q4 update:

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December 2017 Plan Update (and 2018 Financial Goals!)

December 2017 Plan Update (and 2018 Financial Goals!)

Ah… December. I do love the holidays with the kids home and Mr. T having so many days home as well. December was glorious. We really could have used more snow, but we did at least get a few good days of hoar frost where all of Anchorage was magical and white.

The Numbers:

Want to know how easy it is for us to write these every month? I literally just log into my Personal Capital and revel in all the numbers being in one place. Do you like checking numbers? Do you like graphics? Do you like playing with calculators like retirement calculators and how much your fees are costing you? Then, you should obviously use my affiliate link to Sign up here to help yours truly speed toward financial independence! (Also feel free to read my more in-depth review of Personal Capital.)

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Baby It's Cold Outside: Don't Have to Be Old to Retire

Baby It’s Cold Outside: Don’t Have to Be Old to Retire

Here’s our annual holiday hit and follow-up to last year’s song. This year’s is to the tune of Baby It’s Cold Outside, but our version is called: “Don’t Have to Be Old to Retire.” Mr. T wrote the words and they are a very exaggerated version of our usual conversations around the Banks house (he’s the spender). I will reiterate VERY EXAGGERATED. But he wrote it and he’s singing this year, so everyone is very excited! Enjoy!

Happy Holidays friends! We’ll see you in 2018!

Love, the Banks

Would You Postpone Christmas?

Would You Postpone Christmas?

An old friend of mine recently shared her Christmas tradition with her husband. They postpone Christmas!

Focusing on the Holiday by Postponing Christmas

My friend said that each year, she and her husband set a budget based on their income, goals, and financial goal status for that year. Then, they do no shopping at all until December 26!

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2017 Year in Review (including some things I haven't told you)

2017 Year in Review (including some things I haven’t told you)

2017 has been a weird one for me. And as my friends, I thought you might enjoy a recap of why. Here’s our 2017 Year in Review:

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Why We're On the Slow Route to Early Retirement

Why We’re On the Slow Route to Early Retirement

Our family is on the slow route to early retirement. Our story will never be shared on big news outlets because it just isn’t that interesting: “Couple saved money for 15 years to retire in their late 40s!” – 12 years? late 40s? But this is a conscience choice for us.

Why we’re heading to early retirement

The “Why” is always the most important question about a journey to early retirement. In our case, it’s not because we hate our lives now. It’s because we would rather take money out of the equation. Mr. T doesn’t love his job, but he also doesn’t hate it. He’s not the one stuck at work with tight deadlines, no sleep, panic attacks googling: “How do I retire early?”

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November 2017 Plan Update

November 2017 Plan Update

November came and went in a flash. It included a stressful week at the office (which included the hotel giving Kate @ Goodnight Debt and I chlorine burns). It also included a weekend with my sister (post-stress workweek) that included binge-watching and many delicious desserts. At the home front, we’re in the thick of sledding and ice skating season. Mr. T has successfully shaped our driveway snowpile into a sledding track as usual and we’re all enjoying ourselves. Christmas decorations are up and we’re enjoying our holidays so far with food, warm drinks, and cozy blankets. My favorite way!

The Numbers:

Want to know how easy it is for us to write these every month? I literally just log into my Personal Capital and revel in all the numbers being in one place. Do you like checking numbers? Do you like graphics? Do you like playing with calculators like retirement calculators and how much your fees are costing you? Then, you should obviously use my affiliate link to Sign up here to help yours truly speed toward financial independence! (Also feel free to read my more in-depth review of Personal Capital.)

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