Want to retire young?

keep-calm-and-retire-young-2.pngI do. Heck, some months I think I’m half way there already. I feel like some people judge me that I just want to be lazy, some people picture us as being overly successful and rolling in the moolah, and others just chuckle at how our immature brains could think that is an option.

Let’s say this- retiring isn’t quitting work, it’s quitting mandatory work.Β  I do not have any sum of money worth bragging about, and you’d laugh if you saw my savings account, last point- go ahead and laugh at my ‘silly idea’. In case you don’t know this– I THRIVE off people doubting us. 😈 #truestory

Being fed the story that we have to work for someone until we’re in our 60’s or 70’s to be able to take out last few ‘golden years’ off is ridiculous. If you’re drinking that water- and buying it, I’m sorry. And please stop. YOU control what YOU choose to do. Prayer always, but you hold the ability to make each and every day what it is.

I am turning 30 this December, and I am actively working on my retirement. I don’t call it that necessarily, we call it “our future”, “life worth living”, “the gift of the present”. Follow my thought train if you will–

Why do we work? Ok, we work to pay bills, buy food, pay off debt, have money to go do fun things, buy stuff we want, to live. That’s probably the majority of where all working man money goes, right?

So what if we get to the heart of those things– what if you didn’t have bills? (or had very few) What if we were more self sustainable? What if our home and vehicle were paid for? What if we realized the act of accumulating stuff doesn’t bring true happiness?

If we handled some of those things, then would you have to work? Or work as much as you do today? If you only required even a few hundred bucks a month, a few thousand a year, to live off of- what could you do with all the other time? Working is essentially an employer purchasing your time- what if your time was yours again?

I don’t have a set time frame- God will lead that path, but I’m actively working on my retirement. My plan isn’t as fancy and detailed as a financial advisor would create (and I used to be one of those, created many retirement plans, this is different), but it works. And I think it sure as hell beats being in my 60’s and 70’s counting down for time to be my own again.

Retirement Plan:

Don’t accumulate debt. We have a little now, DO NOT ADD TO IT. No credit cards, no loans, nothin’! Pay it off however you prefer- Snowball Effect, let it sit for 7 years, call up each creditor and haggle a low amount pay off. Your call. But do NOT add to it.

Keep working our hustle like there’s no tomorrow- we’ve got 4 main focuses in our plan as of today and we’re going for it.

Keep expenses down starting now. The more you realize that you being marketed to 24/7 in a giant game of every company taking your last dollar… the easier it is to just say no. Stop hemorrhaging cash now, look at your expenses and cut out what’s just unnecessary.

Pay off & own out right as much as you can. Lose car payments and anything else! I can’t wait to own our car outright- and even then, when we had to buy a car we went with a well cared for used car that cost us a fraction of what most end up paying. We will have paid less for our gorgeous, pristine condition Mercedes SUV than we did when we bought our first/only brand new car– a Kia sedan. True story- who’s the one getting played now?

990a88b587e5757dc64f867f50a5f2e0Buy a chunk of land and build a simple home. We are looking for a remote lot, full of nature, and surrounded by God’s creation. As far as the home- I want something we can build using alternative building materials. Think straw bale, cobb, shipping containers, etc… Cost effective and manageable with our skills (none), ability to learn and bribe helpers. πŸ˜„

Continue to up our self sustainability! Grow our own food, buy in bulk, reduce, reuse, recycle. The less we have to depend on the stores and companies, the less we have to pay for. Put in the work up front, reap the rewards. Solar power, your own water source, self sustainability is a lost art. And addictive in the pursuit to reclaim.

Enjoy your time. We don’t know how much of it we’ll get- why waste it? Why do I want to set myself up for a life where I control my time each day? Because I want to be with my kids, I want to have fun, explore, travel, work alongside my husband, volunteer with orphanages in poor countries, lay in a hammock and nap on a hot afternoon, learn to do macrame, grow old and play with my grandbabies all day, to raise our own farm animals and grow our own garden foods. I want my time to be mine. And that is worth the work to set it up, and that is why waiting for someone to give me the ‘go ahead’ just won’t do.

There’s a million stories of those retiring young and pursuing life- you could sit back and count a million reasons why that couldn’t ever be you- or you could throw your arms up and say “Just do it!”

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Gotta go back… back… back to schoooool…. AGAIN.

Is it just me that breaks into song thinking the words “back to school”?

Probably… but that’s ok. You should have seen it when Grease went to theater’s– best sing-a-long performance! Man… πŸ˜… πŸ˜… πŸ˜…

Homeschool, much different than Rydell High, for us this year is set. Good to go. It took me one afternoon to prepare. This is a record folks!

Kids being schooled: a 6th grader (age 12 next month), a 1st grader (age 6 here soon) and a tag-a-long 3 1/2 year old

Curriculum: a Bible. This one in fact: ESV Bible on Amazon

Back to school shopping list: 2 Bibles (one for 12 year old, one for mom/dad), 4 notebooks (each kid & mom), pack of highlighters, pack of pencils (to be kept up in a closet, in a box, guarded. Otherwise… they all disappear! 😀)

Total Back to School/Homeschool bill: Less than $25. πŸ’ͺ Yes please.

Plan:

By 10 AM -ish (we wake up slow), Spend 15 minutes in silence. Pray, listen for God, listen to the birds, whatever. 15 minutes of silence. Added bonus: daily practice of self control. πŸ‘

Read the Bible, starting in Genesis. No set time, until we’ve reached a good spot or kids seats are too wiggly. We will watch What’s in the Bible to correlate with our reading.

Journal any special verses that stood out, thoughts we may have or questions of things we don’t understand. A few moments for mom & the oldest to write some thoughts and I’m thinking I’ll provide one of the verses for the 6 year old to copy write.

We will have a page in our journal that we can all add prayer requests to. People we know, people/things we’re thinking about, and we’ll close out time with a family prayer for these things.

The rest of our ‘school’ day? Service.

Taking the wise council of things like Dr. Raymond Moore, the ways of the Amish, books like Cleaning House & that ol’ Bible- the rest of the day will be spent enjoying the gift of the present and serving those around us.

We started this month with the importance of clean rooms & good hygiene. Setting a morning and evening room check for tidyness and keeping the kids in routine of actually getting dressed, brushing teeth, etc… (even on lazy days πŸ™ˆ).

Next month, and with the start of our school routine, we’re adding cooking for your family & cleaning the kitchen. Each week all three kids will be responsible for picking out one meal they want to make, creating the list of needed items, and then shopping for said items. On Monday we will all prepare & serve the meal together, then each kid has a set day that they will get to provide dinner (with some help of course), serve their family (8 of us total), and properly clean the kitchen after. I think we’re all pretty excited for it!

Each month an additional area of service will be added in to what we’re already focusing on, with the morning routine of silence, Bible, journaling and prayer to remain the same. I am super excited for this year! 😍 No, my kids may not know the things that most 6th graders are learning… my 1st grader may be a little off… but that’s ok. I’ll take a lack of fact reciting to a year we spent growing closer to God and serving all we come in contact with. We can always work on fractions next year. πŸ˜‰ Here goes nothing- September, we’re ready!

 

P.S., Thanks for being so easy on my pocket book! 😘

What’s for Dinner? Episode 2

WFD 2Sometimes you’re broke. The moolah has run out. And fraudulent charges to you account left a big ol’ hole and cards that are useless. Welcome to my day. 😎

But, you may not want to sacrifice the quality of food and the organic-ness of it for something cheap and full of things you can’t pronounce. (Why do we consume ingredients that we can’t pronounce let alone understand?!)

Enter- The Poor Man’s Dinner! Organic, wholesome, clean burritos!

Homemade, from scratch tortillas, grass-fed organic beef, refried beans, some toppings- Voila! Even enough for a delish dessert! All for literally a few bucks, what you have already laying around… and I feed 8 people. (5 adults, 3 kids)

Homemade Tortillas

Needed:

{ALWAYS choose organic as much as possible!}

3 cups of flour (unbleached) — Plus extra for rolling

1 tsp salt

1 tsp baking soda

1/3 cup oil ( I used sunflower)

1 cup warm water

Bowl for mixing

Rolling Pin

Griddle or pan

 

Step 1:

Gather all ingredients. Turn on some cookin’ music! Put on aprons! πŸ˜™

Step 2:

Mix all dry ingredients together. Then add in the wet ingredients and combine. Turn on the griddle or pan on the stove- I use an electric griddle AND pan on the stove to speed up the process- just medium heat.

Step 3:

Pull dough off in 1-2″ clumps- sprinkle a little flour on the counter, sprinkle some flour on the rolling pin, squash your dough down on the flour in a circular shape, roll out until tortilla thin. (Not so thin that there’s holes, but not too thick- experiment to find your fave!)

Step 4:

Turn the oven on to warm/250. Take a plate, and a tea towel that’s been run under hot water & rung out. Make a bed on the plate with the towel for the tortillas to be set in. This will keep them warm and moistened while you cook the meat!

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Step 5:

Put the tortilla on the heated surface- cook until you start to see some bubbles/it starts to become transparent, then flip! Once done- add to the center of the towel set up on the plate.

Step 6:

Continue rolling, flipping, rolling and flipping until you’re done. I average 12 or so tortillas with each batch.

Step 7:

Put plate on a cooking tray and place in warmed oven- turn oven off.

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Taco/Burrito Meat

Needed:

{ALWAYS choose organic as much as possible!}

1 pound grass-fed organic beef

seasonings of choice (I sprinkle in some minced onion, cumin, cayenne pepper, chili powder, salt, pepper, paprika, onion salt, garlic powder, oregano… whatever I’m feeling!)

refried beans (SUPER easy to make- cheap & healthy, but I wasn’t prepared, so we had to do canned. Always read the ingredients list and choose the option that has ideally 5 or less ingredients & they’re all REAL food that you can pronounce!)

 

Step 1:

Gather ingredients, brown meat, add your spices.

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Step 2:

Add beans! Mix and heat.

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Step 3:

Pull tortillas out of oven, add whatever toppings you like/have. Lettuce, tomatoes, sour cream, cheese, cilantro, pico…

BONUS: Cinnamon Chip Dessert!

Needed:

{ALWAYS choose organic as much as possible!}

Homemade tortillas

Real butter

Sugar

Cinnamon

 

Step 1:

Rub butter on both sides of the tortilla(s). Preheat oven to 350 or so.

Step 2:

Take a pizza cutter and slice up!

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Step 3:

Put all pieces in a bowl, sprinkle with sugar & cinnamon!

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Step 4:

Lay all pieces out on a cookie tray. Cook for 10 minutes or so- will depend on how many you do, once you start to really smell the cinnamon cooking and they look crunchy, you’re good!

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Step 5:

Eat ’em all up! Perfect with a little vanilla ice cream or a fruit salsa! Mmmmmm!

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This entire dinner can be made in no time flat and for literally a few bucks, you probably have most all of this in the house anyway! πŸ˜‰ Enjoy!

Foaming hand soap on the cheap!

I love foaming hand soap, it lasts forever and works so much better with my kiddos. I especially love buying super fancy (and usually pricey) soaps, or spending a ton of time making them with my essential oils. Sometimes you need cheap and easy. Agree?

Running thru Ingles today they had these super yummy smelling Seventh Generation soaps! Pleading ignorance: I have not researched each ingredient, marketing tells us that Seventh Generation is a good/chemical free type company… marketing also tells us that McDonald’s is good for you and Trump will make America great again… so know that I take marketing knowledge for about as far as I can throw it. And I have chicken arms. 😜

Anyhoot– DIY Cheap n’ easy foaming hand soap!

Step 1: Purchase some awesome hand soap, these Seventh Generation soaps smell wonderful! And 2 for $4- score!

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Step 2: Boil some water. I always boil water when making soaps and such for extra purification.

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Step 3: Gather various foaming hand soap dispensers. I have some old ones from JR Watkins soap, a couple glass ones from Wally World, a quick Amazon search will give you dozens to pick from….

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Step 4: Fill each container with 1/4 soap & 3/4 water (wait for it to cool down a bit first!)

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Step 5: Screw on tops & give a shake! $4 on good soap will fill at least 10+ foaming soap dispensers. That’s $0.40 a bottle of good soap!

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I recently found Puracy and am IN LOVE! 😍😍😍 I’ve used the body wash for that and as shampoo, and have the laundry detergent and lotion ordered! I’m definitely interested in ordering their foaming hand soap too! Not as cheap as this hack- but excited to try it! I love supporting companies that actually DESERVE to be believed in!

*Note, I’m pretty sure it’s blogging no-no #1 to use non professional-straight from your old cell phone pictures. But, done is better than perfect. Here’s what ya get. 😏 Maybe one day I’ll be able to stage whole photo shoots around a 5 minute process of soap and water mixing… today’s just not that day.