Financial independence, my path
This article, this is my experience in the Russian realities to gain financial independence.
She invited me to write this article and heated arguments to it.
I like this life style
In my life there is undoubtedly an element of luck
My path is not over yet, it's still 10-15 years.
So what is this magic term like? - Financial independence.
For me, this is an opportunity to quit work at any time and provide a habitual way of life for the family for a period of at least 5 years. In the simplest mode without force majeure for my family this is possible now, but for this it is necessary to realize the scenario of moving to a small city where there is a reserve real estate that brings now a modest income. At the same time, passive accumulation will cease to be reinvested and will be used for living, an apartment in a city of one million people will give up. The income level will be approximately 5 living wage on a family of 4 people (two adults, two children). On the elegant life of course not enough, but the availability of your garden will significantly mitigate the situation.
Now about how my family lives, and what are the foundations in the distribution and use of the budget.
The structure of costs
Home accounting as described in this article , we do not do it because we prefer cashless settlement (why it is written below), accordingly all expenses are perfectly reflected in the mobile application, which sometimes is bought for cash manually.
Most of the costs, as can be seen from the diagram and decoding to it, are travel. However, this is not entirely correct (I did not correct it), in fact, there are expenses for traveling to foreign language schools with the eldest son. In general, learning for us is a priority, it is an intangible asset that is forever with us. Training on an ongoing basis is mostly free of charge - the state sports sections and the home of the pioneers (English, robotics are both sons), there are paid mugs for children in the kindergarten and school. In training, the costs for our and my wife's development are also included.
As you can see, housing costs are comparable with food, this is connected with the payment of housing and communal services for several properties (our and both parents).
Undoubted priority is health, most of all here is dentistry, especially for children. Here, as shown by personal experience is better now and more expensive than later and not for any money. A lot of money in the budget eats the car, you could refuse it, but it allows you to visit your parents steadily, and performs a very important function, about it in the food section.
A lot of controversy, about healthy food and its cost. For us, a healthy diet, prepared independently. When you cook yourself from primary products, you can be more or less confident in quality. We do not buy products on shares, for this there are large wholesale bases where you can go by car once a month and buy all the necessary basic products.
From many acquaintances on distinguishes absence of expenses, and it is very big size on: alcohol, cigarettes, sugar and sweet. From sweet children eat honey, sugar only when cooking. Dinners are only at home, since up to work 1 km and you can walk (it just allows you to fulfill the daily standard of 10 km). Housing next to work, this is not an accident but a purposeful choice. We have moved many times and are always looking for housing next to work, it's better to overpay at the start than to suffer later. In general, living next to work is saving the most valuable time resource.
Here the basic principle, this understanding of why it is for you and of course repair. You can buy an Italian furniture set, or you can have a set of Ikea. To whom the first will enter Enter , you are welcome.
Are you ready to live like this in order to leave earlier for a deserved rest
Why live like this, once live
It is possible and more modest, the author zazhralas
Already so I live
I will say a weighty word in the comments
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