Top 10 Juicy Things to Know about Me!
Hello! I am Pie Lady FI, a new FIRE blogger, educating women to go from financial couch potato to megastar!
Along the way we sprinkle in some fun around real estate, food, family and fun. If you are in a rut and looking for a better life then you are in the right place. I was there too, my friend. Below is a quick and dirty look into my life from 2008 to present.
1. Financial Ruin.
I signed my divorce papers knowing I was taking on about $132k of debt, $133k mortgage and stability for my kids. Child support = yes; spousal support = no. 2008 separated, 2009 officially divorced.
2. Health Insurance.
I did not think replacing “company” health insurance with a $10,000 deductible, low cost health insurance would be a big deal … until it was. (Not only did I get sick but I racked up just over $10,000 a year in medical bills – 4 years in a row AND lost one temp job due to illness. Turns out stress really does take a toll.)
3. Time Off aka Unemployment.
I did not think that my kids would value my unemployment days more than my employed ones. (I used my on/off unemployment time between 2009-2013 to volunteer at school, read, exercise, make more homemade food, and spend time with the kids. I would remind them that all we truly need is “clothes on our back, food on the table, and a roof over our head.”)
4. New Perspective.
I was amazed at how little we could live on. (Cancelled the cable and the kids didn’t even notice. Homemade pasta was a weekly occurrence in the meal rotation. Went to local parks in the spring and fall. On the hottest summer days we spent many an hour at the book store. Free can be very fun.)
5. Freedom through Budgets.
I was and still am impressed with how much freedom a simple budget can provide. (Still use my excel spreadsheet and love it… every year I build on it adding features. Today, not only does it track income & expenses but also the balance in my cash investments (monthly), and net worth (annually). It keeps me motivated and proud.)
6. SMART Goals.
I was amazed how far I could go using SMART goals to guide my way to financial independence. (My first time writing SMART goals for the year… the goals were completed in the first 4 months!!! I quickly learned that I was capable of so much more and to always have a backlog list ready to go. (Unplanned benefit – big time confidence booster and how I purchased 5 rental properties in 3 years.)
7. Our Deepest Fear.
I am more proud of myself than I ever thought for all I have accomplished. (Every day, I read Our Deepest Fear by Marianne Williamson to keep me centered and strong. It also reminds me that it is our responsibility to be the best version of our self … after all, who else is going to do it.)
8. Moms Lessons.
I am grateful that my mom taught me the basics of money and even more happy that I listened. (She would say, It can’t be sunny every day… if it were we would never appreciate it. That is why it rains every so often.) Always keep an emergency fund.
9. Keep Motivated. Know Your Why.
I am thankful that my kids kept me strong and motivated even during the toughest times. (Without them, I would have packed a bag and left everything and everyone behind to start over somewhere new.) There were some rough days. On those days it really helped to remind myself of my why and count my blessings of what I already had in my life.
10. Breaking Down a Long Term Goal.
If you told me 10 years ago that I would be on the brink of achieving financial independence, I would have never believed it. Its amazing what one can accomplish when we work at it.
In 2008, a good friend once told me, “Today you feel broken and a shell of who you were. One day, you will find “old” you and she is pretty cool but it won’t be long before you move past her to find “new” you … and she will be kick-ass.” She was so very right.
The moral of my story is never give up and always do your best to keep putting one foot in front of the other. It’s the only way to climb a mountain!
There it is – my Top10! Thank you for reading.
I am always looking to meet like-minded women wanting to learn more about FIRE, real estate, family, food and fun.
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Grab Your Slice,
Pie Lady FI