Finance
Finance-Related posts
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The Cubicle Dwellers Manifesto
You probably all know that Peter and I work full time. But here we are, managing to blog and type our thoughts, experiences, and travels in this blog. Because of a very frustrating bureaucratic experience I just had, I am writing this open letter to each and everyone of you who may be reading this that are currently employed by a company. Yes, maybe 99% of you reading this may be affected. I’m calling it… The Cubicle Dwellers Manifesto ******************************************************** Dear Cubicle Dwellers, Greetings! First off, let me introduce myself. I too am a cubicle dweller – meaning, working a full time 9-6 job much like more than 80% of…
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Expat Journey Through the UK and the USA
Hi! I’m Ruby, you probably know me from this blog, or the other blog, through Instagram, Facebook, or on Twitter. You may even know me from offline so hello hello! You guys probably know that I work full time, and have been for nearly 11 years. However, did you know that I have been working full time with one company for the past 10 years, or that I was an expat for several years before I moved full time to the USA? Those of you who know me offline (either as friends, acquaintances or AirBnB guests) probably know exactly where I am working, but hey, I’m here to tell you…
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2017 Budget Year In Review
It’s that time of year again. No, I don’t mean Christmas. I mean dusting off the transaction history for this past year from Personal Capital (link) and sifting through…(checking total amount of transactions)…2,097 transactions! Boy, what fun it is to calculate net income…yeah. It has certainly been an interesting year. The first half of the year was largely focused on travel, and mid-way through the year, Peter changed jobs and work locations. Let’s take a look at the numbers and then we’ll provide a summary of the good, bad, and ugly. Please note that we will publish only the percentages of our expenses compared to our after-tax income (or disposable…
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How we fund and afford our travels
People always ask us how we can afford to travel this much, and we try to make it as transparent as possible by posting our travel expenses on this blog. However, what they really don’t know is HOW we can afford to spend all that money on travel. Living in the USA, I’ve realized that it is a land of opportunity, and also a land of many temptations. In this country, the opportunities are endless: from travel hacking, mistake fares, and other ways to make extra cash and get discounted deals, we truly are spoiled for choice. However, despite the vast richness of the country, I keep hearing people…
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Buying vs Renting a House – Which One Is Better?
A battle that is debated continuously in the personal finance world. If you want a simple answer, it will depend on your situation right now. Here, we discuss some of the pros and cons of each and why we ultimately became homeowners ourselves. The perks of buying a house I mean it doesn’t even have to be a house-house. You can decide to live in a townhouse, or a condo, or even in a trailer or tiny house. Once you decide to buckle down and buy, there are a few things we considered such as: Cost of renting vs monthly mortgage payments Most people (like us) can’t afford to buy…
