Starting Self-Employment

-written by Cel

Last week, I resigned from my job. In a few weeks, I’ll be doing freelance editing/proofreading full-time (or less than full-time – it’s entirely up to me). A lot of people publish books on Amazon Kindle and such, not through traditional publishers. As such, they may not have editors or proofreaders, which leads to a lot of mistakes in their books. Typos, grammatical mistakes, missing words in a sentence, extra words, continuity errors, etc. I fix all of those.

How did this happen? Let’s go back a few months ago.

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Spring 2018 Life Update

It’s great to see beautiful blue skies in Vancouver again! Here’s what we’ve been up to since our last life update.

Net Worth: $336,583

Latest cool place we’ve been:

Gambier.JPG

Latest labyrinth hunted:

Labyrinth

That would be Gambier Island, and a secret private labyrinth in an undisclosed location. Continue reading

About Financial Independence Scams…

This one is going to be a bit of a downer.

Apparently, the world of network marketing, AKA multi-level marketing, AKA pyramid schemes, has noticed the increasing public interest in financial independence and early retirement, and started co-opting the language and terminology used in FIRE circles as a way to scam people. I have not personally encountered this, but in the last few months, it’s come up a lot in personal finance and early retirement oriented forums and groups. So let’s delve into this and take a look at what exactly these creeps are doing, and how to avoid them. Continue reading

2017 Financial Report

-Written by Steph and Cel

It’s our favourite time of the year – time for our annual financial report!

We finished the year in great shape, with a net worth of $317,972. That’s a $73,631 increase from last year! We also had a whopping 65% savings rate

A few notes before we get into the data. This year’s tallying feels somewhat strange, because we’re reporting as of December 26th due to leaving on vacation tomorrow. There have been a few slight adjustments to account for this – mainly, we added the year-end paychecks we haven’t received yet to our income and net worth.  Also, our First World Problem of the Day: How to properly handle year-end accounting with an international vacation that straddles two different fiscal years. We’ve paid for most of our vacation already – flights, accommodations, etc, are already included in our 2017 spending – but any incidental costs incurred in the last three days of 2017 will be pushed to 2018’s travel budget.

Now, on to the numbers. Continue reading