Savings

Introducing - the Ledger Budgeting App

I made a free budgeting app focused on privacy and manual entry with easily readable .csv files. Check out the first public version of the program and let me know your thoughts.

Why 2026 Is the Turning Point

Feeling burned out right after time off can be a signal, not a problem to “rest away.” Here’s my 2026 plan to accelerate early retirement - mortgage changes, building a cash buffer, cutting expenses, growing side income, and shifting toward an income-focused portfolio.

Simple Living Is Cheaper

Simple living is cheaper because complex lives cost more to maintain. A personal look at lifestyle creep, hidden upkeep costs, and how simplifying saves money.