Spend Less, Live More – The Mantra of Financial Independence

Spend less. Live more.

Four simple words that hold so much meaning. Each a respective philosophy on their own, but also happen to complement each other perfectly.

In a society of over consumption and people drowning in debt, sometimes it’s nice to take a step back and look at reality from a sane standpoint. Part of curating your own life is the ability to self-reflect, become aware of the bullshit around you, and take action in a positive direction that’ll benefit you for many years to come.

We’ve been living a version of this Mantra now for the last few years. Lately, we feel like we’ve got it more nailed now than ever, even though we admit that we’re still learning a lot. We want to share with you what we’ve learned so far and how you can apply this Mantra to your life.

Continue Reading

Beginner’s Guide To Financial Independence & Early Retirement: How You Can Quit Your Job And Live Your Dream Life Before 40

“What’s financial independence? Retire at 30? What are you going to do? That sounds boring!”

Recently I struck up a conversation with a co-worker that went something along those lines. I’m always a bit weary to bring up the topic. You never know how people will react. Generally, people are either interested in learning more about financial independence & early retirement or strongly against anything slightly unconventional.

The notion of financial independence – never having to work another day in your life – before you’re 50 years old is a very contrarian and controversial topic these days.  And although it’s enjoyed a surge in popularity as of late and has even become a bit of a buzz word, there’s still many people out there who are unaware.

Continue Reading

Heat Adaptation and Low A/C Bills in Texas This Summer

This is something I get a lot of shit for from friends, family, and co-workers so I figured this was a great topic to talk about. It’s the end of July here in Texas, which means frequent 100+F (37+C) days. Unless you’ve been practicing heat adaptation, chances are your A/C bill is going to be ridiculously high this summer.

The topic of the weather is a natural thing for Any Human Ever to talk about. So beginning in May and ending in November here in Texas, it’s typical to hear people subtly complaining about the weather quite frequently with, “Waah! It’s so hot outside!”. OK that’s not so subtle and I’ve been guilty of saying this often, too. 

Call me crazy, but I no longer think this way. Yes, it is hot. But I’ve found a sweet trick that helps mitigate the misery. Not only that, it helps you to become less reliant upon the modern convenience of the A/C unit.

I wanted to bring up two important topics that I think embodies the mindset here at Just Stop Spending quite well: First is Heat Adaptation and the second, which is an effect of the first, is Low A/C Bills. 

Continue Reading

Paying Off Debt Fast – How I Paid Off 240k In Less Than 2 Years

Howdy, Seth here. Today’s post is a pretty crucial one- you could say it’s part of the backbone to the whole FI philosophy. It’s all about paying off debt fast. The faster you’re not spending hundreds a month on credit card bills and loan payments, the faster you can start saving, investing, and making that money work for you.

Not long ago, I was in an interesting situation with debt and personal finances. This is my story of how I utilized the Bullet Journal (BuJo) to get out of debt and onto the path of financial independence.

Along this journey you’ll learn my perspective on paying off debt fast, finances, simple living, and how the living intentionally pretty much changed my life.

My goal at the end of this is for you to understand how to set financial goals, track your spending daily and/or monthly, and track your net worth – all through the principle of simplicity.

Continue Reading