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August 2017 Plan Update

August 2017 Plan Update

Hello, dear readers! Welcome back to our regularly scheduled blogging program!

This summer has been glorious. And August was no exception. We started the month in Disneyland with the family and then headed to the Seattle area for a week where we spent 3 entire days swimming, kayaking, and paddle-boarding in lakes. It was amazing. The month ended with all 3 kids in school.

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July 2017 Alaska Plan Update

July 2017 Plan Update

Another July has come and gone. Isn’t summer glorious?

We caught 21 salmon despite there being very few fish in the water and we got rained on (inside our tent!). Full dipnetting adventure story coming in the fall. (I know, you can’t wait!).

Guess where we are right now! DisneyLand! I know. Living the magic. Seriously.

Also this month, my parents received a mission call to Leeds, England. They’ll be leaving in November for a year and a half, so we’re taking the kids to Europe next summer! I can’t explain how excited about this I am. Dream come true. For reals. I’ll be talking lots about our preparations come fall/winter.

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June 2017 Plan Update

June 2017 Plan Update

June was awesome and a great leap into summer. It kicked off with our first vacation. We headed to Portland for a few days and dropped the kids off with my parents while Tom and I headed to Utah for a business trip. Though we both spent most of the trip working, we were able to see some sites and enjoy ourselves. As soon as we returned, I helped run a 4-day camp-out for 16 teenage girls from church. We camped by the bay, saw whales, fished all night, hiked to old World War II sites, cooked delicious food in dutch ovens, ate a million S’mores, found some awesome shells, avoided bears, and had absolutely perfect weather. Overall successful.

The second half of the month, we just enjoyed summer. I delivered lunch to the kiddos outside nearly every day it wasn’t raining. Mr. T finished planting a few more things in the garden (zucchini and pumpkins) and started replacing the countertop and backsplash in the master bathroom. Lui is working on figuring out his new balance bike (a free hand-me-down from a friend). It’s been a tremendous month.

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May 2017 plan update

May 2017 Plan Update

Man, 2017 isn’t even half over and it’s been a crazy year. There’s been so much happening. With this in mind, I’ve decided that I will only be doing monthly plan updates on the blog until the beginning of September and then I’ll be back full force. I will, however, be sharing exclusive content in my weekly email newsletter all summer long, so sign up to find out all the happenings!



I’m also working on some stuff related to my totally awesome survey. If you haven’t taken it yet, go do it now! We have over 600 responses now. (Also, I would LOVE to get another 500+ responses from a non-PF-geek population. If you have any great ideas on how to do that, PLEASE SHARE!).

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How I use Evernote for Everything

How I Use Evernote to Organize Everything

Evernote is another free tool that I use extensively every single day. While Evernote is free (in the basic versions), I do recommend purchasing the basic version of Evernote Essentials. I paid full price for this guide to Evernote and it was totally worth every penny.

An Introduction to Evernote

Evernote is a note-taking service that is SO. MUCH. MORE. When you open an account, you start with just a blank slate and the ability to write notes and create notebooks (notes in notebooks and notebooks in notebook stacks is the filing system of Evernote). It’s basic. It’s easy. Maybe TOO basic and easy. This is where Evernote Essentials comes in. Brett Kelly tells you all the ins and outs and cool things you can do and how to get started so you don’t regret your notebook structure later. (Evernote actually hired him to work for them after his first version of the book!) Evernote allows you to write notes, lock notes, make checklists, clip websites directly, link with Google Drive, and a whole bunch of other cool stuff!

My Recipe Book on Evernote

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How I use Google Calendar

How I Use Google Calendar To Stay Organized

Google calendar is a free tool available through your Google account. Maybe your Apple calendaring system can do the same things, but we’re a heavily Google-integrated family (our budget is on Google drive) and here’s how we use Google calendar to stay organized.

Keeping Two Adults in Sync

Mr. T and I have totally different things going on. He goes to work, I juggle all sorts of things during the daytime and we each have different responsibilities with work, etc. We keep it all in line by having synced Google calendars. I keep mine updated and so does Mr. T. As soon as I make an appointment, it’s in the calendar. This means that we both know what the other is doing. When Mr. T sees that I’ll be at a Church youth activity, he knows he has to be home during that time. When I see Mr. T is helping someone move on Saturday, I know that I’m home. It’s implied with 3 kids that we’re going to work together on taking care of them. If there’s a scheduling conflict, that’s when we have an actual face-to-face conversation about the calendar. “I just found out I have a work meeting the morning you scheduled to ride your bike to work. Is it possible to switch bike-commuting to the next day to help get the kids to school during my meeting?” Because we’re both awesome, these conversations are quick and solutions reached easily.

Keeping the Kids Organized

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You Are Your Own Agent: A Pep Talk

You Are Your Own Agent: A Pep Talk

At the beginning of the year, I was about to attempt a new freelance opportunity that I hadn’t done before. I was struggling with selling myself and setting prices that I would be happy with later (especially because the project was unlike any I had yet done). Do you know who gave me the greatest pep talk of all time? Revanche over at A Gai Shan Life.

The Original Pep Talk:

If you were negotiating on my behalf like my agent, what would you be proud of telling me that you’d gotten as a rate? Don’t think of it as selling yourself, think of it as letting them know the circumstances under which you can work together. They’re not doing you a favor, you’re providing an excellent service they want and they need to compensate you fairly or it’s not a relationship worth your time. Puff up that chest with a huge breath, let it out and calmly imagine them being THRILLED to be working with you. That’s the feeling you want to have going in and coming out, and quote them from that mindspace.

So good, right?

You Are Your Own Agent

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Why is Personal Capital Free? The Catch!

Why is Personal Capital Free? The Catch!

I’m sure you’ve seen a number of these already, but here’s my Personal Capital Review. If you’re interested, you can sign up for Personal Capital here.

Why is Personal Capital Free?

Let’s start with the bad. Personal Capital is free because they want to actively manage your money (don’t let them!). When I signed up for Personal Capital over a year ago, the sidebar showed me a picture of a banker under the caption “Your Advisor.” Since then, they’ve heated up the hard-sell a bit more. I now get emails that say things like: “You’re not on track for retirement! Call your advisor today!” When I log in, I often have to click out of a pop-up showing me my advisor and asking me to give him a call. This is all annoying. And things may get worse (who knows?).

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Calculation Financial Scenarios: Roth IRA Edition

Calculation Financial Scenarios: Roth IRA Edition

On Monday, we we used our portfolio balance and our current savings rate to calculate the impact of different market conditions on our future portfolio. Today, we’re going to mix it up just a little bit. Same market scenarios. Different savings rate. Since Alaska is solidly in its own recession, we’re going to assume that Mr. T loses his job by the end of the year (Debbie Downer? I don’t actually think this will happen, but again, I love a good calculation scenario!), so instead of considering our current savings rate, we’re going to assume that we can only max out our Roth IRAs at a total of $11,000/year (or $916/month).

This scenario is more broadly applicable. You have $150,000 portfolio? You max out 2 Roth IRAs? This is the post for you! Again, to make these calculations, I use my very favorite compound interest calculator to plug in the numbers. We’re looking at 4 scenarios: from major recession to bonkers markets to see how long it would take to reach $1,000,000 and $2,000,000. Here we go:

The Recession Starts Tomorrow!

In this scenario, our entire portfolio takes a 25% hit before the end of the year and then grows at 3% forevermore. Let’s look at the numbers:

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Calculating Good and Bad Financial Scenarios

Calculating Good and Bad Financial Scenarios

I haven’t done many calculations around here lately and since we both know I am number-crunching incessently, I thought it was about time to do a number crunching exercise here on the blog with our numbers. Today, we’re going to look at 3 scenarios into the future: a terrible one, a low-return one, and a good return one. Let’s see how the numbers play out:

Where we Stand

These calculations are based on our portfolio’s current $150,000 value (a nice even number to work with, which is part of why we’re running the simulations now!). The monthly savings for the first year assume $2500 – the $1500 to max out Mr. T’s 401k (automatic) and a mix of employer contributions and my savings for another $1000/month. This is our current savings rate. Then, after the first year, those monthly savings amount skyrocket to $4500 because in 2019, we will start the year with a paid off house and we can throw our mortgage payment directly into savings! To make these calculations, I use my very favorite compound interest calculator to plug in the numbers.

The Recession Starts Tomorrow!

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