Design your Financial Freedom

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our monthly expenses September 2020

Our monthly expense overview | September 2020

Welcome to our third monthly expense overview. After cruising for two months with our new Lagoon 42 sailing catamaran we are definitely starting to get into the vibe of full-time sailing. In this blog, we will take you through our expenses in September while living on the boat. We started these blogs to give more insight into the actual costs of living this alternative lifestyle for those who are considering a switch from the 9-5 office life. About tracking our expenses As we also explained in our first monthly expense overview, we gave an overview of almost all expenses we […]

our monthly expenses August 2020

Our monthly sailing expenses | August 2020

Time flies when you’re having fun! Well, that definitely has been the case for August. Time to share our monthly sailing expenses living full-time on a 42-foot catamaran. We ourselves were definitely curious to see how our expenses would evolve in our second month of full-time living on the water. Tracking our expenses We started these monthly expense blogs to show you how much a different lifestyle actually may cost. We think this is interesting information for those of you that are working towards a different lifestyle. Whether this is on the water (as we do) in a camper van, […]

our monthly expenses july 2020

Our monthly sailing expenses | July 2020

Living full-time aboard our Lagoon 42 catamaran has been such a big change for us! A new lifestyle living (and working) on floating home! If you are interested in the monthly expenses of full-time sailing, this blog is for you. We left the Netherlands exactly on the 1st of July 2020 to sail south towards the Mediterranean. On the day of our departure, we started tracking our expenses with the help of the app 1Money. A super simple way of knowing how much you have spent and in what category. We keep track of our expenses for ourselves. Since this […]

Ten BIG MISTAKES when investing in rental property

Ten BIG MISTAKES when investing in rental property

One of the most common and interesting ways to invest your money is to buy real estate. Even given all the ups and downs in the last ten years, real estate still proves to be an interesting and steady investment in the long run. If you are considering buying real estate and renting it out, please learn from our experiences and avoid making one of the ten big mistakes when investing in rental property. First, let’s explore our real estate portfolio and the reasons we are actively investing in rental property. Our real estate portfolio In the last few years, […]

Five luxury items that suit a budget lifestyle

Five LUXURY items that suit a BUDGET lifestyle

Yes, you can be frugal, save money and lead a modest life while enjoying some luxury as well. In this article, we share with you the luxury items that suit a budget lifestyle. Be critical Over the past several years we have been very critical about the items we buy and use in our household. Especially since we know we will be moving onto a sailing boat with limited living space. Also, we are trying to spend as little money as possible to save up for this big life change. In addition to buying fewer new things, we have also […]

Retire before you're 40

RETIRE before you’re 40

Wouldn’t it be fantastic if you could retire before you’re 40 years old? In this article, we share our story to inspire how you are also able to retire early. Not by working like crazy in a few years. This may seem a good way, but you will probably end up with a burnout, which will only help you retire even later. The day you don’t have to work anymore is a hallelujah moment for a lot of people. Some of us win the lottery, but most have to work a long time to reach the stage of their pension. […]

How much did we spend - september 2018

How much we spend in September 2018

We try to save as much money as possible to finance our dream. In the past, we were able to save enough money to pay for our three houses in cash. In 2018 we started working with a weekly budget to maximize our savings. If you are curious to know how we live on a budget of only 100 Dollars per week you can check out our blog article about it. In this blog, we give information about how much we spend in September 2018.  The weekly budget We have set our weekly budget of only 100 Euros, which is around […]

How we saved enough money to pay our houses in CASH

How to save to pay for a house in CASH

When we tell people that we don’t have a mortgage for our house, their reaction often is disbelief. If we add that we don’t have a mortgage for ANY of the three properties we own, the disbelief transforms into confusion. How is it possible? Read on if you are interested to learn how to save to pay for a house in CASH.  A mortgage is a common practice Yes, it is probably true that the most common practice is to mortgage your house when you are looking for a way to enter the housing market. Houses are expensive and normally […]

Cutting expenses vs earning more money_

CUTTING expenses vs EARNING more money?

Searching for ways to achieve your financial goal, we often look at two major options: spending less and earning more. But which is best? Cutting expenses vs earning more money: who wins the prize? Obviously, both create a way to save more money. By spending less and cutting your costs you can keep more money in your bank account. By earning more money you can increase your income. This will probably result in saving more money as long as you don’t start spending more.  We are taught to earn more It may feel like cutting expenses and earning more money […]

Financial Independence Retire Early

Financial Independence Retire Early

When you think of retirement you probably think of someone in their late 60s. A retired person has saved his whole life and has a huge pension fund. This way of retiring is the social norm and is used by plenty of people. A norm that we all know well, but it is certainly not the only way to retire. There are lots of other ways to prepare for your retirement and to retire at a young age! One option is to go for FIRE: Financial Independence Retire Early.   What is financial independence retire early? Financial Independence Retire Early […]