Goals Not Yet Realized
I am coming up on my 41st birthday and with the day coming closer and closer, I’ve been thinking about the goals I have for my life. One thing stands out as a major roadblock to EVERY goal I have. Working 9 to 5, Money thru Friday is an impairment to me actually LIVING my life. This impairment must be eliminated.
Based on that, I have three choices:
- Give up the goals I have for my life
- Take what I can get and settle for mediocre results
- Do EVERYTHING I can to get rid of my job so I can afford to live my life.
I’m taking path #3. I am doing everything I can to get rid of my job. That means reducing the amount of income that I need. These things will include, but are not limited to:
- Sell my house and get an apartment/condo/townhouse
- Sell my car and get a cheaper, more fuel efficient, used car that I can purchase outright
- Get rid of ALL credit cards, except
- Get rid of luxuries, such as cable/sat TV, extras on cell phone, extras on home phone
- By reducing the amount of money that I need, I can afford to take lower paying, but more interesting jobs; jobs that will allow me to also build additional sources of income.
- In a round-about way, this is related to spending less money. I will keep you informed of my progress towards freedom.
I have always figured that a condo is the worst of both a house and an apartment. You own the condo, so you pay taxes on the property and must maintain your own inside, but you also have a condo “fee” which includes all the maintenance of the common areas and is adjusted periodically by the “condo association”. This fee can be adjusted up if they want to repave the driveway or say change the color of the outside.
Before buying a condo, talk to someone who owns one in the area and read the condo agreement close.
On buying a used car, try and find a 2 or 3 year leased car that has been turned in to the dealer. The dealer has already made his money on it and the major depreciation has already taken place.
When I going over a two year old car, advertised for a fraction of the blue book value, at a new car dealer, I could not find anything wrong with it. Then I found a copy of the expired lease under the seat and knew how they could sell it so cheap. The car ran great and I had it for 9 years.
Thanks for the comment about the leased vehicle. I purchased one off of a 3-year lease and it lasted for quite a long time. I got rid of it before it’s life was over. 3-years old is the sweet spot for vehicles. They are broken in and, in most cases, are worth more than is owed (assuming a 5-year loan).
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