Is it already March?! February certainly flew by. I can’t say that we accomplished too much since January, other than spending way too much on groceries. “A year’s worth of groceries” may be a stretch… but we’ve got enough to eat for several months. Mr. RFL’s approval to work remotely finally ended, so he had…
So, you’ve paid down all your “bad debt” … high interest loans, credit cards, etc. Congrats! Now that you have fewer payments to make each month, you may be debating if you should use that extra cash to pay down the mortgage or invest? You’re not alone. This question is one of the most frequently…
Well, that wasn’t the start to the new year that I had expected. January flew by with little accomplished as I’ve been dealing with some unexpected medical bills and undiagnosed health issues. I had such high hopes for this year that it’s hard not to feel disappointed, but we’ll try to make February a better…
We review our investment portfolio allocation and investment strategy annually, as a part of our year-end financial and tax checkup. In this post, we’re sharing our current portfolio allocation and investment strategy for the first time. Disclaimer: This post contains our personal opinions and portfolio and does not represent investment advice. Why you need a…
The most unpredictable year ever is finally over… Happy New Year! Although 2020 was strange and mostly unpleasant, I hope that you and your loved ones remained healthy and were able to find some silver linings. If you stayed invested in the stock market throughout the year, you likely at least have a fatter portfolio…
We’re two years into remodeling our fixer upper! If you haven’t already, I would encourage you to check out Part 1 of this series, We bought a fixer upper! Here’s how it’s going, for an update of what we’ve accomplished to date, along with a detailed look at the renovation budget, and things to consider…
Nearly two years ago, we took a risk and purchased a complete fixer upper! After moving across the country for Mr. RFL’s work, we realized the housing market in our new location was more expensive. So when we found a great deal on a fixer-upper in our desired neighborhood that had an open floor plan,…
Happy holidays! I hope you and your loved ones had a happy and healthy November. Our November was filled with gratitude and the shock of an unexpectedly optimistic stock market. We also managed to squeeze in a mortgage refinance and some pandemic stockpiling this month. What happened this month… The US stock market had a…
Let’s start with the fact that this post, as I had envisioned it, was supposed to be a 6-month update… That’s just one of the many things I had pictured for my first few months of early retirement which have not gone as planned. Then again, I don’t think this year has gone as anyone…
This post will cover why we’ve refinanced so many times, how we paid $0 for the first two through a no cost refinance, and how much we expect to save with our latest. Refinancing your mortgage (the traditional viewpoint) How often is too often to refinance your mortgage? Well, since we just finished our…
Hi! I'm Mrs. RFL. We're a family of 3 trying to live a rich frugal life on our way to financial independence and early retirement ("FIRE"). I retired in early 2020, at age 38, to help our family achieve the balance we desperately needed. Even though we hadn't reached our end goal, making this change allowed us to take advantage of the financial freedom we'd already earned to begin building a happier, healthier and more meaningful life. This decision didn't slow down our journey as much as expected. We reached financial independence in January 2022! Rich Frugal Life follows our FIRE journey and shares everything we learn (or screw up) along the way.
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