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Hi, I'm Calm 'N Cents!
I'm recently separated and going at it on my own.
So, for all of my new followers and my new situation, let me introduce myself!
|| THREAD ||
I'm recently separated and going at it on my own.
So, for all of my new followers and my new situation, let me introduce myself!
|| THREAD ||
1. I'm separated.
I'm 35.
I guess I'm technically still married, and have been for 5.5 years.
The wife and I had a disastrous 2020.
I am not an optimist, but I hold hope for a reconciliation in the future.
Love was never the problem.
In the mean time, I'm paddling solo.
I'm 35.
I guess I'm technically still married, and have been for 5.5 years.
The wife and I had a disastrous 2020.
I am not an optimist, but I hold hope for a reconciliation in the future.
Love was never the problem.
In the mean time, I'm paddling solo.
2. I'm unemployed.
It was rough, in part, because I lost my job in September.
This undoubtedly added stress to the relationship.
As of now, I am paddling solo on government Employment Insurance as my only income.
You would think I'd be strapped for cash, but...
It was rough, in part, because I lost my job in September.
This undoubtedly added stress to the relationship.
As of now, I am paddling solo on government Employment Insurance as my only income.
You would think I'd be strapped for cash, but...
3. Luckily, I'm frugal.
I am very economical with my money.
I may only make $2,200/month, but my expenses are generally less than that.
It also helps that I have ~$12,000 (~6 months) as an Emergency Fund and that....
I am very economical with my money.
I may only make $2,200/month, but my expenses are generally less than that.
It also helps that I have ~$12,000 (~6 months) as an Emergency Fund and that....
4. My house is paid off.
You can chirp me for paying off my mortgage quickly all you want, but not having a mortgage means I can still live here while I job-hunt.
The house is valued at around $360,000, which means I will be able to add half to my investments when we sell.
You can chirp me for paying off my mortgage quickly all you want, but not having a mortgage means I can still live here while I job-hunt.
The house is valued at around $360,000, which means I will be able to add half to my investments when we sell.
5. I also have NO debt.
I control every penny I make.
Not one cent goes to mandatory debt payments.
THIS is financial freedom.
Don't underestimate it.
I control every penny I make.
Not one cent goes to mandatory debt payments.
THIS is financial freedom.
Don't underestimate it.
6. I invest in index ETFs.
Currently, as a solo paddler, I have a portfolio of $55,000.
Not great, but not terrible.
The prospect of adding to it always keeps me moving forward.
Indexes are my specialty because of their diversity and I don't have to analyze individual stocks.
Currently, as a solo paddler, I have a portfolio of $55,000.
Not great, but not terrible.
The prospect of adding to it always keeps me moving forward.
Indexes are my specialty because of their diversity and I don't have to analyze individual stocks.
7. I have a number of interests.
There are, in fact, people behind these Twitter accounts.
People with hobbies.
I enjoy:
- Reading
- Writing prose and poetry
- Walks
- Cooking
- Lifting weights
- Deep thinking
All introvert activities because I am just that. Introverted.
There are, in fact, people behind these Twitter accounts.
People with hobbies.
I enjoy:
- Reading
- Writing prose and poetry
- Walks
- Cooking
- Lifting weights
- Deep thinking
All introvert activities because I am just that. Introverted.
8. But I have my flaws.
We all do.
I need to come to terms with mine.
- I am negative.
- I dislike change.
- I have a temper.
- I forget to be nice to others.
- I forget to be nice to myself.
I know these led to my marital issues. I regret them.
I need to fix them for me.
We all do.
I need to come to terms with mine.
- I am negative.
- I dislike change.
- I have a temper.
- I forget to be nice to others.
- I forget to be nice to myself.
I know these led to my marital issues. I regret them.
I need to fix them for me.
9. But there are good things, too.
- I may not show emotion, but I have them in spades.
- I do enjoy improving and learning.
- I am brutally honest.
I may not grow and improve and learn as quick as some may wish, but it does happen.
If you aren't growing, you're shrinking.
- I may not show emotion, but I have them in spades.
- I do enjoy improving and learning.
- I am brutally honest.
I may not grow and improve and learn as quick as some may wish, but it does happen.
If you aren't growing, you're shrinking.
10. I appreciate all of you.
The support you've provided over the last 3 months has been immense.
The encouragement in the wake of my problems has been overwhelming.
I am happy you've joined me.
Now, let's do some great things this year!
@TheCalmNCents
The support you've provided over the last 3 months has been immense.
The encouragement in the wake of my problems has been overwhelming.
I am happy you've joined me.
Now, let's do some great things this year!
@TheCalmNCents
