Picbear logo Browse Instagram content with Picbear

@retire_forty

Beth

retire_forty

Documenting my way to retiring at 40

  • 467 Total Likes
  • 35 Tot. Comments
Protection: it’s not just for your privates. Your computer needs protection too! My company’s Chief Security Officer recommends https://home.sophos.com to protect your personal computer (#Mac or #pc) from malware, viruses, ransomware and malicious websites. The best part? It’s free! I’m afraid to tag anything related to computer viruses or private parts, so I’m going to just hashtag some popular hashtags. $ $ $ $ $ $ #black #time #women #free #computer #win #goals #drive #girlboss #love #success #word #dream #money #retirement #retireearly #retireforty
Since I saved so much cheddar on my desk, I bought a robotic vacuum ahead of schedule! I planned on buying one in February and it was delivered today. Know what also came today? That $225 bi-annual HOA fee that I kind of forgot about...oops. This ol gal was $200 on Amazon but I’m not returning this though. It finds its way back to the charging station when it’s low on battery, and you can schedule it to clean your home during the night! This baby is here to stay and it looks like eggs and pb&js are on the menu for the rest of January... $ $ $ $ $ $ #deebot #n79 #notagun #robotic #vacuum #home #cleaning #tips #protip #hoa #fees #budgeting #amazon #technology #toys #retirement #retireearly #retireforty
In a highly entertaining turn of events, I stumbled upon my 2012 budgeting spreadsheet...back before “Food” was broken out into Restaurants (lifestyle) & Groceries (essential), when getting turnt in Columbus only cost $56 and budgeting $200 on “Eyes” was a thing (???). Nowadays, my budget is broken down into: #gas, #restaurants, #groceries, #carservices, #homeextras #bethextras, #gifts, #parking, #atm, and #charity. Just about the only thing consistent between then and now is going over-budget in those damn “extras” categories...😬 $ $ $ $ $ $ #budget #spreadsheets #excel #ftw #money #millionaire #goals #retirement #savings #financialfreedom #winning #success #retireearly #retireforty
Guys. Every month the University of Cincinnati has a surplus sale, where most of their items are between $5 and $30. Full sized wooden desks, bookshelves, computer monitors, a stair master (???) you name it they’re selling it for CHEAP. I made this desk with two filing cabinets ($15 each), a slab of wood ($5) and completed my office with a $10 office chair. That put us as a grand total of $48 with tax. If I had to describe it, it’d say it has a bit of a modern/rustic feel, it’s extremely Joanna Gaines, etc...#cheap #office #furniture #diy #rustic #modern #joannagaines #millionairemindset #frugal #money #smart #universityofcincinnati #uc #surplus #sale #retirement #goals #retire #early #retireforty
In the words of a superfan: "You could do a post on last minute shopping and how a lot of shit is on sale cause normal people have already bought their shit". I'm just going to leave that right there. FYI- the supplies in this picture totaled $1.61 and I don't know of a faster way to retire early than buying discounted Christmas wrapping supplies #christmas #presents #gifts #gifs #holiday #holidays #hollandaise #timetoleavework #work #workworkworkworkwork #workhard #worksmart #retireforty
No guys, I'm not on the #oregontrail right now. I'm in #ohio #daydreaming about that one #denver trip I took in #october. By using points on my #chase #sapphire #preferred #credit #card, I flew my ass out there for $70 round trip. If your credit card isn't flying you out to amazing places...it's possible you're doing life wrong. Don't be that guy. . . . . . #denver #travel #explore #outdoors #hiking #wehikedfor1day #boulder #rockymountains #vacation #wanderlust #lol #money #tricks #save #smart #millionaire #life #retirement #retire #early #retireforty
Are you confident in your #investing #skills? If you'd like to #invest but don't know where to start, @theschwablife has an amazing robo-advisor which invests your money for you, for #free! Free is my favorite word and the #schwab #intelligent #portfolio feature just might be my new favorite tool to help me reach #retirement early. Rated 4.5 stars by @NerdWallet, Schwab's Intelligent Portfolio buys and sells #etfs according to your #risk #portfolio. The minimum account balance is $5000, but it's well worth the high minimum since there are NO FEES! Plus, there's a #roth option! These people get me. Open an account at schwab.com and get in on this!! . . . . . . #money #millionaire #mindset #goals #cash #nofees #nofuss #noproblem #wealth #wealthmanagement #future #smart #etf #retireearly #retireforty
I tried on this dress and instantly knew I had to have it. I uncharacteristically bought it at @portalucaboutique for $50 ($15 is more my speed) but this dress was made for me and I felt so good about myself in it! Tonight I discovered my dress retails for $390....😶. You can look like a #millionaire without spending that #cold #hard #cash... #fashion #glamour #frugal #dress #shopping #retirement #retire #early #retireforty
4.5 hours later...With god as my witness, I will never attempt to assemble a piece of #ikea #furniture as long as I live.  #airbnb #distressed #dresser #bedroom #guest #room #retireearly #retireforty
So obsessed with this wood stain, taking my #ikea #pine #dresser to the #nextlevel...#potterybarn here we come #distressed #wood #diy #bedroom #furniture #grey #savemoney #cheap #frugal #airbnb #prep #retirement #goals #retireearly #retireforty
Hotel: $50. Dress: $12. That look when the #groom sees his #bride for the first time: priceless. One of my favorite #weddings of all time! Congratulations Klausing's! 🍾#love #fallwedding #party good #friends good #food good #airguitar #frugal #money #spend #smart #retirement #millionaire #mindset #retireforty
Guys. #groupon and #livingsocial are NOT dead! I saved $50 on this hotel for my friends #wedding just by buying through Groupon, and I fully intend on spending the money I saved on a hardcore #brunch tomorrow morning. Congratulations Kaycie & Justin!!! 😘 #hardcore #brunch #brunchhard #brunchsmart #bitcheswhobrunch #weddingseason #hotels #westin #iloveyou #retireforty
#kroger #gas for the #win #thankyoukroger.  It's a new month, which means a new #budget, which means I can now buy all the things I couldn't last month. Like gas. Good god how am I going to make it through #christmas...#merrychristmas #housesareexpensive #retireforty
One way to ensure you'll be able to retire early is by not buying $40 worth of #halloween #candy in a desperate but well intentioned attempt to get to know your new neighbors especially when the forecast is 44 degrees. I was $52 in the hole this month, and I think I know why, but I would rather overspend than feel the shame I felt during Halloween 2013 when I ran out of candy and had to turn all the lights off and the tv so nobody thought I was home. It was terrible. #happyhalloween !! #freecandy #candiesoncandiesoncandies #trickortreat #halloween2017 #tricks for #retiring #early #retireforty
When the medium sized cup just doesn't cut it anymore, and you can't afford to pay $16 in chili each week, it's time to look up the recipe. #chili
It was between this $6 Whole Foods soup or Wendy's 4 for $4, so I'm calling tonight's dinner a personal (not financial) win. Sometimes I'm fancy. When it comes to soup I'm fancy. #fancysoup #dinner #wholepaycheck #budget #budgethard #budgetsmart #budgetthatshit #fall #soup #itsgoodsoup #finance #money #healthy #splurge #healthyfood #kinda #retirement #retiree #retireeats #retireforty
Best #housewarming idea yet: ask your frans to bring a bottle of their favorite wine over, and host a wine tasting party! Stock the leftover bottles in your new home and look ultra sophisticated when an impromptu guest drops by. That's how I fool everyone into thinking I have my life together. In the meantime, I'm spending my evening with a little #scarlet, little #grey, and #pinkchampagne! Thanks @klmillard for the PERFECT housewarming gift 😍S'go BUCKS #party #ideas #friends #share #home #ohiostate #osu #buckeyes #wealth #luxury #house #gift #alcohol #celebrate #buckwild #retirement #retireearly #retireforty
When I bought my house, I took out a $116,000.00 mortgage loan. My mortgage is $803/month, yet my balance only decreased $180 after making my first payment. This was v annoying to me, so I made an additional payment (curtailment) to bring that balance down to $115,550.00 (shout-out to my #ocd fam). There is nothing more aggravating then paying a load of money and realizing just how much of it is going towards interest. Make those extra payments folks...even an extra $100 does wonders for your balance! #mortgage #loan #home #interest #finance #inspire #rich #wealth #goals #house #millionaire #mindset #grind #hustle #debtfree #retirement #retireforty
Curious...has anyone found #success selling #homemade products through a site like #etsy? I tried my hand at #diy coffee mugs today, and was wondering if selling personalized products is the way to go. Has anyone had raging success making their own shit and selling it? #girlboss #coffee #business #crafty #art #retirement #financial #planning #rich #goals #millionaire #sidehustle #millionairemindset #kitchen #retireforty
I subscribe to @learnvest (it's free) to learn #money, #wealth and #career advice. Here's what they say to do if you hate your job: 1. Make friends 2. Learn additional skills 3. Take a Vacation. I'm adding a #4: Retire! Life is short and I refuse to be conventional during my limited time on this beautiful earth with my friends and family #goals #retire #smart #live #unconventional #minimal #millionaire #mindset #livingthedream #dream #success #rich #retireearly #retireforty
Inspired to retire early more than ever after visiting #lake #keowee. Why wait until your sixties if you can have it all sooner? Need to crunch some more numbers and revisit my target age of 40...what are you doing to avoid a 40 year 9-5? #goals #lakelife #retirement #lakehouse #millionaire #mindset #rich #living #loving #life #livingthedream #retireearly #retireforty

Loading