Hello Everyone! I am ready to early retire right now. I am having trouble keeping up with everything that I need to do around my house plus going to work. My hours were cut down to 32 weekly but I am still struggling.
Maybe purchasing a townhouse was a bad idea? I was fortunate enough to pay for it in cash so I thought that this was a no brainer but I am finding the upkeep more than I expected. Or maybe it is just a busy time and things needed around the house will subside. I do need new window treatments and have been looking into plantation blinds which are not cheap. They are one of the high ticket items that I need to purchase before I finally quit. A car is also on my radar so I still need to work for a while longer but sometimes I just want to go for it and quit now. I do not like leaving my townhouse. It sounds crazy but I feel like I have enough business occurring at my residence that I cannot split my time with both the house and a job. I have to keep up with various paperwork, cleaning, and bills. I would like to rearrange my small but awesome shed into a getaway but I never seem to have the time to embark upon these plans so I do nothing but daydream about them while in the meantime getting older at an exceedingly faster rate…
Time is flying by so fast that the years now seem to last only 6 months. I think I am going to start seeing my days planned out in a “seasonal” perspective instead of a daily or weekly or even monthly because these time frames go by too fast. So this is how I will look at a seasonal time frame: spring is a time for planting, summer is a time for growing, fall is the time for harvest, and winter is the time for REST and rejuvenation! I can see myself sleeping early and long in the winter since it gets dark at 5pm. I can see myself eagerly planting herbs and veggies in the spring…see I am daydreaming again…but not actually doing anything…
We really do not know how much time we have on this earth. Because of this I feel an urgency to retire now. Will my time be shorter than others? I do not know but I do know that I would be very angry to suffer a debilitating illness and still be working the 9-5 without getting a chance to pursue my daydreams. I would be so angry!!! So I am thinking I may just have to wing it and attempt to retire early within the next couple of months. Because of this I have not been placing any money into my brokerage account for dividend investing but into my savings account for emergencies and a car and my so-called “high ticket items.” I would like to save $20,000. I could maybe buy a nice two year used car for $8000 to $10000 and hold the remaining $10000 for a nice cushion, or even a second used car in the distant future. This is frightening to me because leaving my job to purse early retirement dreams is premature for me. But I believe I am going to have to do it sooner rather than later because of the urgency I feel to do this before I am too old. I am also hoping to avoid the dreaded flu vaccine that they are trying to force me to take in the fall of 2017.
I have goals to support myself with ebay sales and to use dividends only if necessary. Relying upon ebay to cover some of my bills is at this point premature as well. At this present time selling and shipping costs are costing me 63% of my selling price so I need to work on honing my profit making technique. But I have a feeling that I could do it if I could just focus. I have sold $240.00 within the past 60 days so at least I can say that I am trying and succeeding. My expenses are low and for the most part I value the things in life that are mostly free so I can live very minimally. So $500 net ebay sales per month would be fantastic and $1000 net profit would be golden. I have this urgency to explore and finally be myself again now while I can, I do not want to wait until I am 60. I have heard of people going into debt $50,000, at the age of 40, to further their education! And the incomes earned would be less than $70,000. To me the monetary payback is not worth being further in the hole! But maybe they do not have the “urgency” emergency that I have, maybe they will live 20 years longer?!?! No one knows… I just know that I have to make it out alive and be free before I die!
December 10, 2016 at 10:33 pm
Nice monthly net worth increase. Markets have been really hot. It’s got to feel good to see a $7k increase.
December 11, 2016 at 11:11 pm
Hi, thanks for the reply, it is great and amazing especially since I have added no money to my brokerage the last couple of months. The market is definitely going crazy, stay tuned for the total increase since Jan 1 2015.