This fourth month was Partner’s in Fire’s first month with a decrease in readership. According to Google Analytics, we only had 459 users as compared to 516 during out third month. However, given all that happened this month, I think that’s still pretty freaking awesome!
Why did our Readership decrease?
I’m fairly certain that the main reason for our decrease in readership is the fact that Jonathan and I broke up and mutually decided that he shouldn’t be a part of the blog. In previous months, he was sharing the posts on his personal Facebook page and gaining users from Instagram. Most of his Facebook friends who were supporting us by reading the blog decided to stop following when he was no longer a part of it. I totally understand this though, and I kind of expected it. I knew I’d have to work harder to gain and maintain readers, and I’m working on it.
I’ve also been enjoying my life a bit more and that means I’m dedicating a little more time to going out and having fun with my new boyfriend and my friends than I was before. Unfortunately, I don’t have an unlimited amount of time, so that means I spent a bit less time on the blog. But I’m actually really happy for the first time in a long time, so I’ll take the trade-off. I’m sure when the buzz wears off I’ll be able to focus more on blogging.
Another reason why (in my opinion) our readership decreased is that I didn’t exactly stick to my posting schedule. I missed a Sunday. We only lost a few users as compared to last month, but I’m sure some of it was due to the missing post. However, I went out of town that weekend and had a blast in Orlando, so I don’t regret not posting. You have to enjoy your real life first.
The majority of our users are still coming from Social Media. The top referrer this month was Facebook, with 102 users coming from there alone. I think a big portion of that was due to my friend from Tread Lightly, Retire Early posting The Worst Financial Decision of My Life in a group dedicated to helping women in Finance (Thank You!). I think another part of that was my real friends and family’s interest in what was going on with Jonathan for all those years. Either way, I appreciate all the support.
Twitter and Pinterest were neck in neck this month! I had 85 users from each platform. This is the first time that my Pinterest stats are even close other stats, so maybe using Tailwind is starting to pay off. It’s definitely something that I’m going to keep working on moving forward, and I can already see the potential for amazing growth through that platform.
Monetizing the blog through the use of affiliates still isn’t bringing in any income, but I’m still working on it! We did get a few clicks to Amazon this month, but none of them resulted in any sales. None of the other affiliate networks that we’ve been utilizing has resulted in a sale yet either, however I rarely include them in my blog posts. I don’t want to be spammy or sell products that I don’t believe in, so although I am a member of these affiliate programs, it’s hard to find products that fit with me and the themes of my post. I’d rather be authentic than make extra money pushing products I don’t believe in.
We are still using Adsense to generate ad revenue for our blog. Currently, we’ve made about thirteen bucks with it (one dollar over last month, woot!). We are still hoping to get enough unique visitors and pageviews in the next few months to upgrade to a better ad program. I keep eyeing mediavine; but I don’t have nearly enough users yet for that!
My goal for my fifth month is the same as my goal was for this month…get to 500 users on my own! I was super close this time (I only missed it by 40 users!) so I think I should be able to get there if I stick to my posting schedule and participate a bit more in my Facebook blogger groups (I’ve kind of neglected them this month unfortunately; maybe that’s another reason why my numbers were a bit lower).
All in all though, I’m super happy with the progress that Partners in Fire has made during the four months that we’ve been a live blog, and I’m looking forward to continued growth in the coming months.
What are your favorite blog growth strategies? Leave a comment and let us know!
I may have too many bank accounts. Are you familiar with the envelope method? You know, that budgeting method where you put all your cash in separate envelopes for each need? Well I might do that with bank accounts. I have a bit of a collection.
How many bank accounts do I have?
I have two separate banks and with 6 accounts between them. This isn’t even counting my investment accounts!
I know most people only have one main bank, but having two has served me very well. The biggest advantage to having two banks is to protect yourself in case of identity theft. I’ve had my identity stolen twice, and the first time they got into my main bank account. That was a pretty awful experience, and the only thing that kept me afloat was the fact that my other bank was spared from the attack.
Why So many?
Ok, It may seem like overload, but each bank account has a very special and specific purpose. And I need all of them! Well, I probably could consolidate, but I don’t want to!
Ok, lets start with checking accounts. I have two of them. The first one is for all my regularly monthly transactions. This includes my direct deposit for my pay check and all of my bills. It also includes my ATM withdrawals for my weekly cash allowance. I use it the same way most normal folks use their bank accounts.
Big Purchases (and Paypal)
My other checking account is a staging area for big purchases. I know that I’m going to need to buy something big every few months or so (Currently I’m saving for a new water heater) and I need a place to store that money so I don’t spend it on other things. This is a great strategy to budget for those big expected costs.
I also use this account for Paypal for some reason. It seems like my paypal should be tied to my main transactions accounts, and while that makes the most logical sense, it’s not. The reason for this is that I initially set up my paypal for my Ebay Sellers account, and I was saving all the money I made. Therefore, it had to go to this bank in order to go into the correct savings account.
The big known expenses have older meaner cousins. These are the big unexpected costs. It’s hard to budget for them because you don’t know exactly what, when, or how much it will be. It may be as simple as a flat tire, or as complicated as broken refrigerator (or worse!). I have a special bank account ready to go with a few thousand dollars in it for just such short-term emergencies.
Long Term Emergencies
Unfortunately, a few thousand dollars isn’t going to fix everything. That’s not really going to help much if I lose my job, or if I can’t work for some reason. Enter my long-term emergency fund. I currently have enough money in it to pay 6 whole months of living expenses or one full year of my mortgage. My goal is to get it up to 1 full year of living expenses.
We all know I love to travel. So, of course I have a separate account dedicated to that! I put a little bit of money aside each paycheck to fund my next adventure. I usually have my trips planned out (at least in my head!) months in advance, so I know how much I’ll need. Egypt is going to run me about five thousand dollars, so I have to put up a little more each month for that. But it’s super fun to see my travel fund grow and know I’m getting closer and closer to that awesome trip!
This is the bank account that I’ll probably get some question marks on from my personal finance friends, but hey, I have to do me. I have one savings account that’s dedicated to all the things I want to do once I quit my job. This includes going back to school, studying Tai Chi in China, buying an RV, and all the other crazy stuff I want to do once I’m job independent. I need to save up a whole lot of money for these things, and I know a lot of my finance friends will tell me that keeping this much cash in a bank account is a terrible idea. I know, it’s not going to grow in the bank. But this money isn’t for growing. I have investments for that. This money is earmarked for specific goals, and I don’t want to risk losing it.
What do you have?
So now you all know my dirty little secret. I hoard bank accounts. Is this normal? Does anyone else have more than 2 or 3 bank accounts? Let me know how many you have in the comments!
As a companion piece to our Beginner’s Guide to Investing, I thought it would be nice to flip the script and write about some bad investments for beginners. Keep in mind, none of these are bad investments in general (except the shady ones at the end!). They are definitely things to research and consider when you achieve intermediate investor status. However, as a beginner, these are things you should steer clear of until you have a bit more investing experience.
I have a few individual stock holdings, so don’t take this to mean that buying company stock is a bad thing. It’s not! It’s an awesome thing! I don’t think they are the best investment for beginners for a couple of reasons:
Sure, you could buy penny stocks for decent prices, but those are terrible investments (they are more of a gamble). If you are going to buy individual stocks, you need to focus on strong companies that pay dividends. Unfortunately, these stocks usually don’t come at bargain basement prices. In addition, you have to pay a brokerage fee every time you buy and sell, and you can’t set up automatic investing (Well, I’m sure there are websites that let you do that, but it will cost you the brokerage fee each time, and that’s ridiculous).
Not worth it unless you have lots of capital
Not only are individual stocks expensive, but you need also need a lot of them to see any investment gains. You have to buy at least 100 shares to see any real gains, even on dividend paying stocks. And 100 shares of a quality stock can get crazy expensive!
Story time! I bought 1 single share of Microsoft stock back in 2010 (ish) for about $26. You know what that stock is worth now? Seven years later, that single share swelled into a whopping 1.25 shares!! And my investment gains are sitting at around $70! Can you imagine how much money I’ll make off this investment in another 20 years if the market keeps going the way it is? You guessed it: Not much.
So why did I buy it? Honestly, I was just trying to experiment with buying stocks. I had maybe $100 bucks to invest, and instead of putting into a mutual fund, I decided to try my hand at the stock market. So, I bought 1 share of Microsoft for a quarter of my money, then I bought a bunch of useless penny stocks. I guess I got back to my initial investment with Microsoft, so it wasn’t a total loss.
Non-dividend paying stocks are even worse. You could buy 100 shares and never see any investment gains. The one positive side about the Microsoft stock is that it pays dividends, so eventually I’ll have 2 whole shares, and eventually that will grow into more shares. I’ll have something to leave to my niece and nephew, because it may actually be worth some good money by the time they retire.
Another big drawback to buying individual stocks is that they come with a huge amount of risk. Sometimes companies get bought out and sometimes they go out of business. There may be an economic crash that certain companies just can’t recover from (who remembers Circuit City?) You can risk losing your entire investment if the company that you picked goes bankrupt. You can also lose your entire investment if the company you picked ends up on an episode of American Greed. It sounds funny, but it seriously happens!
Investing in Stocks
Because of those three things, I wouldn’t recommend investing in individual stocks until you are fully reaping the match of your employer sponsored account and invested in some low-cost index funds. I also would recommend getting familiar with the market before making any stock investments. Sign up for Investopedia’s free stock market game and practice investing with virtual money. Once you have it figured out, take some real money and pick some individual stocks. Start with highly reputable companies that pay dividends.
Bank accounts (checking and savings) aren’t investments. They are safe havens for your money. If you live in the US and have under two hundred and fifty thousand dollars in the bank, all of your money is insured by the FDIC even if the bank goes under (the only exception would be if the United States collapses, and if that happens I’m pretty sure we will have more serious problems). So bank accounts are awesome safe places to store your money.
Unfortunately though, we are living in a time of low interest rates. According to Bankrate the national average interest rate on savings accounts is just under 1%. That’s ridiculously low! You won’t even beat inflation with that!
Now I’m not saying not to store money in the bank. They definitely have their place. Having liquid cash in accessible accounts is extremely important, but it’s not going to make you any money. Therefore, its not a good investment.
Are you extremely risk adverse but looking for better gains than a bank account? Well I have two options for you!
CDs are very similar to bank accounts, but they usually pay a little bit more in interest (though with interest rates so low, they have been fairly close in recent memory!). CDs are long term investments though. The bank is agreeing to hold your money and pay you a higher interest rate than you would get with a savings account, while you are agreeing to not withdraw your money for the life of the CD. There are shorter term CDS (as short as 3 months) and longer term CDS (3 or more years!). In general, you will get higher interest rates with longer terms. You will also find higher rates on the CDS with higher minimum investment amounts. The best CDs are paying about 2.5% interest right now, and while that it better than nothing, it probably isn’t enough to beat inflation in the long run.
Bonds are basically loans. There are two types, corporate and government. When you purchase a corporate bond, you are lending money to a company. When you purchase a government bond, you are lending money to the government.
Bonds are way safer than stocks. They are a great investment that helps keep large portions of money safe while still offering a bit of growth to combat inflation. Unfortunately, safety comes at a cost. You won’t grow your money very well if you invest in bonds. This investment type is best for someone who is close to retirement age and wants some protection against market volatility in their final stretch. It’s a bad investment for beginners.
Shady things are bad investments for everyone, not just beginners. But when you are just starting out, it may be harder to spot the red flags. Some examples of shady investments are: a “hot tip”; a friend’s amazing business opportunity, pyramid schemes, non-reputable investment firms, and companies in which the only information you can find about them are obviously affiliate links (you’ll know them when you see them!). It’s unfortunate, but there are tons of people out there trying to get a piece of your money in nefarious ways. My recommendation to avoid this is to always do your research and utilize well established, highly rated firms for all of your investment needs.
Does anyone else have any examples of bad investments for beginners? Let us know in the comments and lets all partner together to help each other achieve financial independence!
Wow, three months of blogging in the books. I am halfway to becoming a real blogger! Let’s see how I did!
Blog Growth Strategies for our third Month
The blog readership is continuing to grow, slowly but surely. According to Google Analytics, Partners in Fire had 516 users during this month, compared to 305 during month two and a paltry 89 during the first month. We are chugging right along!
How did we increase our readership?
A lot of our users are still coming from our various social media platforms, and we are continuing to grow and expand these while maintaining the sense of community. Two hundred seventy of our monthly users came from social media. Our top performing platform this month was Facebook, and that was due to both of us sharing our posts regularly on our personal pages. Sometimes building a following starts with your own network.
We also got quite a few direct hits (198!) during this third month. A large portion of that was J publishing his struggles and sharing them with people that he used to know. A lot of his friends and family didn’t know about his bipolar disorder or his struggle with alcohol, and they were interested to learn those things.
I’m pretty amazed that I (mostly) stuck to my posting schedule this month. I only missed one day; and considering how crazy this month has been I’ll count that as a win. Instead of posting that day, I redid the “About Us” section and changed some photos around on the blog. It was cathartic and a good move for me personally.
Things are a bit calmer in my personal life now, so I should be able to stick to Sundays and Thursdays for month four. Here’s to hoping anyway!
We are still doing amazing things with social media. A huge portion of our traffic came from Twitter; and although I didn’t gain a ton of new followers this month, I’m super happy with the community that I’ve built there.
We killed it on Instagram. We increased our Instagram following by over 600 followers! I really think our Instagram game and engagement helped increase our traffic this month. Although Google Analytics only recorded 18 referrals from Instagram; I’m going to venture a guess and say that number is a bit higher. You can’t directly link from Instagram to a website; so I am fairly certain some Instagram users indirectly copied and pasted the URLS that we posted with our photos. I’m guessing this because I don’t think all 198 of the direct referrals were due to his friends reading about his drinking problem. But hey, they may have been. It’s hard to know for sure.
This was also my first month as an official Tailwinduser. I’ve seen an uptick in my traffic from Pinterest, but it isn’t a crazy amount yet. I’m going to continue plugging away at it and hopefully we can grow from there.
I am still working on monetizing the blog through the use of affiliates. We actually aren’t doing too badly on Amazon! We had 16 total clicks and 4 ordered items from Amazon in the last 30 days; and made about five bucks total. Obviously, that isn’t enough to gain financial independence; but it’s a great start! Although I’m pretty sure most of it is still from the list I made; but I’m ok with that, I’m super happy that we were able to put together a list that helps other bloggers! I’ve been paying it forward as well.
I’ve utilized the other affiliate programs too, but so far we haven’t seen any results from them. We are members of Flex Offers, Share-A-Sale, and Clicky-Homes affiliate programs, and although we’ve received a few clicks; we haven’t had any sales from those platforms.
We are still using Adsense to generate ad revenue for our blog. Currently, we’ve made about twelve bucks total with it (and they don’t give you a payout until you reach 50). We are hoping to get enough unique visitors and page views in the next few months to upgrade to a better ad program. I keep eyeing mediavine; but I don’t have nearly enough users yet for that!
This next month is going to present a unique challenge for me. With Jonathan and I no longer living together, he will no longer be contributing to the blog. He insisted on still managing the Instagram account, but we will see what happens with that.
For this next month, I’m going to continue to focus on improving as a writer and I’m going to focus heavily on gaining traffic from Pinterest. I’m hoping to maintain over 500 users for the month on my own; without the help of Jonathan’s network. I think it’s doable!
What are your favorite blog growth strategies? Leave a comment and let us know!
Do you want to start an investment portfolio but aren’t sure where to start? We are here to help you! In this beginner’s guide to investing, you will learn what type of plan to use, what the best investments for beginners are, and how to how to actually invest the money. After all, what are Partners for?
The first thing you need to learn in the Beginner’s Guide to investing is what type of plan or account you should be investing in. The three best account types for beginners are employee sponsored plans, individual retirement accounts, and brokerage accounts.
Employee Sponsored Plan
If your employer offers any type of match, then the first thing you absolutely need to invest in is your employee sponsored plan. Many employers will offer matching contributions of up to 5%! That’s like getting a 5% pay raise! It’s basically free money, but you only get it if you contribute. So, if you work somewhere that offers the match, take it! Start there!
Individual Retirement Accounts
Regardless of whether your employer offers a plan or not, you should be putting money away for retirement. Luckily, most investment firms offer Individual Retirement Accounts (IRAs) to let you do that! There are two types of IRA, the traditional one (usually just referred to as IRA) and the ROTH IRA.
There are two major differences between the IRAs, and whichever you chose will depend upon your individual situation. The traditional IRA is a tax deferred account. That means you can deduct all of the money you put into it from your taxes each year. It also means that you will be penalized for taking out any money before you hit 59 and a half years old. When you reach retirement age and start withdrawing, you will have to pay taxes on your withdrawals as if they are income. If you need the money before you reach the minimum age, you will have to pay the taxes and an early withdrawal penalty. You definitely want to avoid that!
The ROTH IRA is different in both of those regards. You cannot deduct your contributions from your taxes (because you are investing post tax dollars), but you aren’t penalized for taking any of your initial investment out (you are penalized for taking out any profits). You also won’t have to pay taxes on anything that you withdraw when you reach retirement age (as long as you’ve had the account for more than 5 years. There are lots of withdrawal rules for the ROTH IRA, and you can read about them all here)
The main thing you should take into account when deciding upon which IRA type you want is your tax strategy. Do you want to pay the taxes now or do you want to pay them later?
The biggest issue with both types of IRA is the contribution limit. You can only put $5500 into any type of IRA account per year if you are under age 50, and only $6500 per year if you are 50 or over. If you want to save more than that (and you should!) you need a different type of account.
Non-retirement Brokerage accounts
The last main account type for investing is a brokerage account. These are great because not all of our investments are meant for retirement. You may be on a path to financial independence, so you may need to start withdrawing money from your investments before you get to the traditional retirement age. There are plenty of companies that offer non-retirement brokerage accounts. Some banks even offer them as well. Vanguard is my favorite, but there’s also Fidelity, Merril-Lynch, Edward Jones, and a whole lot of other investment management companies (you can also open IRAs with these companies, if you want all of your investments in one place).
Types of Investments
Ok, so you’ve decided upon what type of account you need to open. The next step in our beginner’s guide to investing is to decide which type of investment is best! There are basically only three different types of investments that I would recommend to beginners. These are: index funds, target date funds, and mutual funds.
Index funds are my favorite type of investment. They are low cost funds that track certain market sectors. They usually aren’t actively managed, so whatever companies are tracked in the fund are the ones that you are invested in. One of the most well-known index funds is the S&P 500, an index fund which tracks about 500 of the biggest companies in the US.
My favorite types of index funds are full market index funds, because they basically track the entire stock market. I highly recommend Vanguard’s total market fund. It is well diversified and has a super low expense ratio. That means that it won’t tank if only a certain sector of the market tanks and it doesn’t cost a lot to maintain. Additionally, it is very very rare that a total market fund will completely go out of business. The markets may have a correction and go down, but as long as you stay invested you probably won’t lose money over time. Remember losses aren’t real until you cash out.
Target Date Funds
Target date funds are index funds that automatically adjust the amount of risk they are exposed to as the fund holders get closer to retirement. This means that they will slowly sell off equities and move into bonds as the target date gets closer.
My work has 6 different options for target date funds: 2025, 2030, 2035, 2040, 2045, and 2050. Every five year a new fund gets created. I have some of my money invested in the 2040 fund, because that is when I’ll be close to retirement age. My older coworkers are invested in the 2030 or 2025 funds, because they are much closer to retirement.
The target funds are the absolute best for people who hate actively managing investments. If you want to be a “set it and forget it” investor, this is the best type of fund for you.
Mutual funds are another good investment for beginners. Usually, a mutual fund will track a certain sector of the market. Some mutual funds are dedicated to certain sized companies while some invest in certain industries. Mutual funds are usually actively managed, which means that somebody is working every day buying and selling stocks to try to boost the fund’s performance. This also means that they have a higher expense ratio (cost more!). All of the people invested in the fund are paying the fund manager to make those trades. Sometimes this ends up being beneficial, and the fund outperforms the general market. Sometimes it doesn’t. Investing is inherently risky. If you do decide to invest in mutual funds, be sure to diversify and pick a few different ones. That way, you are protected if something happens to a certain sector.
How to invest
The last main step in our beginner’s guide to investing is how to invest. There’s really only one option that I like, and that’s dollar cost averaging. With this method, you take a regular amount each paycheck/month/week and invest it. I have $100 per paycheck automatically going straight to Vanguard, regardless of what the market is doing. Sometimes you are buying when the market is up, and sometimes you are buying when the market is down. It averages out over time.
Its also super easy to do. You just have to set up an automatic withdrawal from your checking account or bank account. Most investment firms have an online step-by-step, so it’s super easy to set up.
The other methods are lump sum purchases and investing when you have the money. Investing at some point is better than not investing at all, but if you make it a regular thing it’s easy to stick to. Also, with dollar coast averaging, you don’t even think about timing the market, so it’s great psychologically too.
Beginner’s Guide to Investing
So there you have, a quick and hopefully easy beginner’s guide to investing. I hope this helps you start your own journey to financial independence. We also published a post outlining the bad investments for beginners, check it out to learn what not to do!
If you have any additional investment ideas or tips that would help beginners out, please feel free to share them in the comments!
*Links with this next to it are affiliate links. That means I’ll receive a small commission if you decide to click on it and buy something. Don’t worry, it doesn’t cost you anything extra! Also, I am not in anyway affiliated with any of the investment firms that I mentioned (outside of having accounts with some of them). I recommend Vanguard because I use them and I like them, not because they pay me to!
I had a terrible day at work today. A miserable, terrible, epically awful day. I’m totally stressed out about it, and it wasn’t even that bad!
I got yelled at by my boss for something stupid. I didn’t really do anything wrong, but he was mad that things weren’t the way he needed them to be, so he took it out on me. Has anyone else experienced something like this? Its pretty awful getting yelled at for anything, and when your livelihood depends upon it, it’s even worse. I wouldn’t get fired over a stupid thing, but for some reason the stress trigger in my body doesn’t know that. It’s a bit dysfunctional.
Logically, I know that what happened today wasn’t a huge deal. I know that the absolute worst thing that can possible happen is a write up, and the chances of that happening are super slim. So why am I so anxious? Why am I so upset that I made a tiny mistake in my boss’s eyes?
Stressed out – signs of stress
Seriously, I had a hard time functioning all day after I got yelled at (and it wasn’t even an ass chewing, I could just tell he was mad and disappointed…like I said, it wasn’t even that bad). My stomach hurt, my nerves were on fire, I was super jumpy, scared that someone would come in and mention my epic failure. It was awful. And I’m sure I’ll feel the same way tomorrow, and the rest of the week as well. Trust me, being stressed out is not fun!
Why am I so super anxious about a minor problem at work?
Because I need this job. I do. I’m not at the point yet where I can say “fuck you!”. Seriously, some “fuck you” money would be super awesome right about now. But I don’t have it so I still need this job. I need it for a minimum of three more years to solidify my pension. I need this job for these next three years to ensure that I’m able to live the FIRE lifestyle I want for the rest of my life afterwards. Also, I need this job to pay my current bills!!
I know that one minor issue isn’t going to cost me my job. I know that, and you know that. But being stressed out all day really solidified my desire for financial freedom. This isn’t healthy. Its not healthy to be so worried about a little thing that you did wrong at work that you can’t enjoy the rest of your day. It’s not healthy to have to take abuse from bosses because you need the paycheck (Not that my boss is abusive…he’s usually really awesome, but he was super stressed out today too!).
When I’m Financially Free, I won’t have to worry about any of this anymore. I can be my own boss, or I can walk out of work if my boss gives me a hard time about anything. I won’t have to be stressed out anymore. Not Needing a job will give me power that I don’t currently have. And that’s one of the reasons I’m walking this FIRE path.
Alcoholism is the most underrated and untreated disease in the world. Tons of people die from this disease daily and it shouldn’t be that way. Treatment isn’t always necessary; a life of balance and hard work is. When I first learned that I was an alcoholic treatment wasn’t even an option. It is impossible to just shove an alcoholic into a program if they don’t want to change, and I wasn’t ready to change. We have to fully accept everything and agree a change needs to be made, and if we don’t it’s a hopeless battle.
Most alcoholics figure out they have a problem way before they ever get to treatment, but they don’t want to admit and accept it. It’s a disease of the mind that moves its course depending on how much you allow it to take control of your life. What I’m trying to explain is that if you don’t allow it to gain a foothold you can actually stop. Alcoholism has messed with me my entire life and has caused me to lose many a friend and relationships. The battles it has caused in my life are a testament to how deadly of a disease it can be.
Being an Alcoholic
The uncontrollable urge to drink consumes your life. You can think about nothing else, no matter what it may cost (job, friends or even family). Alcohol is everything to you, nothing comes before it. I was between 24 and 25 years old when I let alcohol take over my life, and that’s what threw me into the hell that I have been living through for the past 9 years.
Alcoholism isn’t about partying too much and having fun. The majority of alcoholics drink alone and don’t hang out with people. When you start down the path to alcoholism you become ashamed of yourself and no longer enjoy being around anyone. It is one of the things that makes this disease so deadly, you turn your back on everyone. I lack a better way of saying it, but you become a hermit, alone, miserable, and drowning in your own sorrow.
As an alcoholic I can relate to all of this, M tried so many times to get me to hang out with people, only to have me say I would rather stay home. The majority of people can’t understand this about alcoholics, we fear people and anything that can save our lives. We live off misery and depression, its what motivates us in life. Depression is the only thing we can cling to and control. I know it sounds crazy, but we are only searching for some point of stability. We end up finding that in misery, and that is what makes it so easy to become lost forever.
Having someone that believes in you
I cannot stress to you how important this is and how hard it will be for the person that is trying to help you. M lived by the idea of “I am going to love you until you love yourself” and I fought her tooth and nail on it. Finding someone that is willing to expend this amount of effort is extremely rare and requires someone that has a huge heart and will love you no matter what you do. Today I am able to write about this and share my story because of what she did for me. Having someone that believes in you makes the process bearable. Things will move slowly if you’re doing it correctly, take solace in the fact that if it is going slowly you are actually repairing your life.
I have spent years beating the crap out of myself and saying I was a worthless person. Now I spend each day finding the ways that I was a positive influence on people. Everyone has parts of them that are positive and I have made it my goal to find them for myself. My strengths are that I work extremely hard at anything I devote my attention to, and I care about people to a point that it’s almost uncanny. Focusing on these things instead of obsessing about my hatred of myself has allowed me to find peace.
Alcoholism is a devil of a disease, but it doesn’t require treatment. Hard work and looking at your inner self helps. Finding out what makes you may be the one thing you need. Depression will always feed off of despair, don’t allow that in your life and you’re on the right track. Any day I wake up and find that life is going to be difficult, I smile and say bring it on!
Here’s to all the other alcoholics out there and the people that are trying to help them. Stay strong and believe in yourself (or them). It’s a long process, but it’s not un-achievable. This is just my path and my story of how I overcame it. Do you have your own story that you want to share? I’m all ears. All any alcoholic/addict has every wanted is for someone to listen to there story. Well, I am here and will always will be around to listen. In future posts I will elaborate on specific situations and what it did to my life. I am posting this so people can start to understand the disease and how horrible it is. I feel it’s important for people to understand that before I share my experiences.
*Links with this next to it are affiliate links. That means I’ll receive a small commission if you decide to click on it and buy something. Don’t worry, it doesn’t cost you anything extra!
Are you thinking of buying a home? Do you know what things you should look for when buying a new house? I’ve bought two houses in the last 10 years, so although I’m not an expert, I have learned a few things about what to look for when making a decision. Check out these tips for home buyers so you can make the perfect decision for you and your family!
Tips for Home Buyers
Find the Right Realtor
The first thing to look for when buying a new home is a realtor that you trust. You absolutely do not have to buy a home from the first realtor you tour houses with. If they make you uncomfortable in any way, drop them and find someone new. I had to do this when I bought my first home. I went house hunting with a highly rated realtor team, but they seemed very pushy. Every home was the most amazing home ever and any concern I had wasn’t a big deal. I didn’t buy from these people and I didn’t go out house hunting with them again. Trust your instincts. If you don’t feel comfortable with your realtor, find a new one (it won’t be hard, they are everywhere!).
You also need to find a realtor who will listen to you and respect your needs. My second home buying experience was a lot harder than my first, because I was doing it from 2000 miles away. (Check out the one thing I wish my realtor had when I was house shopping!). I contacted a realtor with awesome reviews, and the fist thing I did was discuss my budget. I was savvy at this point, and obsessed with the idea of financial freedom, so I knew I didn’t want to spend more than 200K.
What did this realtor do? She sent me a bunch of listings for homes priced between 220-240. She sent me 0 listings under 200k. The other realtor I contacted sent me tons of listings between 150 and 200. He sent me a few listings over 200K, and explained that he could probably get them down to 200 if I really loved those. Guess who I went with? Definitely realtor number 2! He obviously respected my wishes way more than the first one!
Find the right neighborhood
Choosing the right neighborhood is almost as important as choosing the right house. There are so many considerations in choosing a neighborhood that this probably could have been its own blog post. However, these are all super important things to look for, so I didn’t want to leave any of them out. A whole lot goes into scouting out the neighborhood! First and foremost, you should actually like the neighborhood. But you should also take a few more things into consideration.
You can check the crime (and other demographic) data of any neighborhood that you are interested in at NeighborhoodScout.com. Sometimes there’s a reason why that house is so cheap! In Savannah, there are some beautiful reasonably priced homes in some super sketchy neighborhoods. I’m not going to sacrifice my safety and piece of mind for a bigger home. I’d much rather live in a smaller, more expensive home in a neighborhood that is relatively safe.
WALK-ABILITY and Transportation
I really really wanted to buy a home in a walkable neighborhood. Unfortunately, most of the walkable neighborhoods in Savannah are either too close to a bad neighborhood for comfort or priced above 200K. But walkability may be a must have for you. If you want to be car free or bike to work, you need to buy a home in a neighborhood that allows you that option.
When we moved to Savannah, Jonathan didn’t have a job or a car. Unfortunately (for him) the home I chose was in the way back of the neighborhood. That meant he had to walk almost a mile just to get to the bus stop! Even worse, the bus routes through our neighbor were very sparse, so he’d spend hours riding the bus just to go a few miles! Talk about a waste of time! Luckily, he has a car now and doesn’t have to worry about these things, but if you don’t have a car you definitely want to make sure the neighborhood you chose has ample transportation.
Ok, I don’t have kids, so this isn’t super important to me. But most people do have kids, and if you do it’s important to check out the schools in any neighborhood that you are considering moving to. You want the best for your children, so it may be better to buy a smaller, more expensive home in a neighborhood with good schools than a bigger, cheaper home in a neighborhood with poorly rated schools. This is an extremely personal decision, but its something to keep in mind. I went to mediocre public schools and I turned out just fine!
Does your neighborhood have an HOA? If so, what types of amenities do they offer? Which are important to you? Some HOA’s offer clubhouses, pools, fitness centers, and parks. Some don’t offer anything. If any of these items are important to you, you can probably find an HOA that has them.
In my opinion, amenities also include local shopping. Is there a grocery store close to your potential new home? How far are you willing to travel to pick up a gallon of milk? Do carry-out restaurants deliver to your neighborhood? These are things that may be important to you. It would suck to buy a house only to realize that your favorite pizza company refuses to deliver. Whether that’s a deal breaker or not is up to you, but you should know before you buy.
I mentioned HOAs when I was talking about neighborhoods, but they do far more than just provide some cool things for the neighborhood. They can also provide some really ridiculous rules. Did you know that most HOAs in Savannah don’t allow you to have an RV in your driveway or on the street? Seriously? Some HOAs are really strict about stupid things, like the length of your grass or whether there is a spot on the side of your house. Others won’t let you make any improvements on your home without their approval.
There are some benefits to living in a community with an HOA though. An HOA generally helps keep the property values up. Most of the stupid rules are to the benefit of the community as a whole…the entire point is to ensure that values don’t drop. Read through the HOA manual of your new community before committing to a purchase. Make sure you can live with the rules.
Don’t skip (or skimp on!) the Inspection
The inspection process is where we failed epically in buying our second home. I like to say it wasn’t our fault though, its hard to find time to take a trip across the country for a home inspection when you are trying to sell a house and move. But it’s definitely not a step that I would ever skip again!
We didn’t technically skip the inspection. We just trusted a representative from our real estate company to be there and catch any problems. The issue with that is the realtor isn’t us. They don’t know what we’d call a problem. And they are probably more concerned with ensuring that the sale doesn’t fall through than they are with identifying major problems!
There were a few huge easy to identify issues with the house that were not caught during the inspection. The sprinkler system had a major leak. The garage door didn’t work. Water seeped into the garage whenever it rained (maybe not easily identifiable until it rains, but whatever). If we were present during the inspection, we would have easily caught the fact that the garage door didn’t work, and could have had the previous owners fix it before we moved in.
If you are in a committed relationship, and both of you are planning on living in the new home, you should both probably go house hunting. I know, this seems pretty standard. But if you are moving to another state, sometimes it’s hard for both of you to find the time to travel and see the new digs. Trust me, it’s important! I went while Jonathan stayed home. He’s way better at repair work than I am, and he would have probably identified issues that I’m clueless on. He also is stuck with the neighborhood that I chose, which, as it turns out, isn’t very walkable.
Stick to your budget
If you remember any of my tips for home buyers, make it this one! One of the biggest mistakes that first time home buyers (and second time, and third time!) make is not sticking to their budget. Sometimes this is because they didn’t take the hidden costs of homebuying into consideration. Other times though, it’s because we let our realtor smooth talk us into looking at this fabulous house that’s just a little over budget. We fall in love with the house and can’t imagine living anywhere else.
Don’t let your brain fool you! You’d be just as happy living in the 190K house as you would be living in the 210K house, as long as both meet your basic requirements. You don’t need a luxury jet hot tub. It would be nice, yeah, but you could always install it in the cheaper house for less than 20K. Be realistic and don’t get swept up in the “I have to have it” mentality. That’s how they get you!
Know what you need
I had some absolute requirements for my new home. I’m sure you do to, and that’s ok! We are going to live in these things for hopefully a very long time, so we should get something that we are happy with. But they key is to know exactly what you want before you start house hunting. Know what you absolutely have to have, and know what your “nice to have’s” are.
My absolutes were two bathrooms, a yard, and a master bedroom big enough for a king bed (You’d be surprised at how many master bedrooms were the size of utility closets). My “nice to have’s” were an open kitchen, a 2-car garage, and covered patio. I ended up buying a home with a semi-open kitchen and no patio, but you had better believe it has two bathrooms! Knowing what you need verses what you want will help keep you out of the “I have to have this!” mentality that realtors hope to suck you into. Make a list and stick to it.
Look for Easy Fixes
It’s amazing how many people will pass on a home because the paint is ugly or the carpet is dirty. These are relatively cheap and easy things to fix, so why are you passing on a great house because of it?
The house I bought in Savannah had the ugliest master bedroom you had ever seen in your life. The room was painted poop brown, and had a tan/brown mix half shag carpet. The lighting was so dim that you could barely see a thing! However, the size of the room was perfect, and the rest of house was pretty great too (except one random wall in the living room that was also poop brown for some reason).
These were super simple fixes! I paid about $800 total to create my perfect master bedroom, and I couldn’t be happier with the house. Don’t let minor, fixable, details deter you from buying your perfect home! Know what you can DIY, and know what would be huge problems. And, you could even use the fact that you need to fix some things as a negotiating tool!
Find The Home that Works Best For you
Buying a home is a super exciting and super stressful experience. There are tons of things to take into consideration during the homebuying process, and the most important things will be different for everyone. Make a list of must have verse nice to haves and stick with it. Set a realistic budget for the purchase price and any renovations. You may not find a perfect house, but it will be a perfect home for you.
Do you have any additional tips for home buyers? Add them in the comments, we’d love to hear your opinions!
*Links with this next to it are affiliate links. That means I’ll receive a small commission if you decide to click on it and buy something. Don’t worry, it doesn’t cost you anything extra!
Well, here we are at two months in! It just flew by, didn’t it? I feel like we made some great strides towards growing our blog in this second month, but let’s see how we did!
Blog Growth Strategies for our Second Month
We really improved our readership over this second month! According to google analytics, we had 305 individual users during this second month, as compared to 89 during our first month. That’s an increase of 216 readers!
How did we increase our readership?
The majority of our readers are still coming from Twitter. One of our major blog growth strategies has been continuing to grow and develop our Twitter community. Seriously, I love the PF Twitter community!
I also started a free trial of Tailwind early in the month, and we have seen a pretty nice increase in traffic from Pinterest. However, just adding pins isn’t enough. Another thing I did to boost the traffic from Pinterest is create better pins. I started using high quality photos from Unsplash and worked a lot harder to improve the aesthetics of my designs, which I think that was a huge success. We went from 2 referrals from Pinterest during the first month to 22 by following this strategy. I bit the bullet and signed up for a paidTailwind* account for the year, so hopefully our Pinterest traffic will continue to grow.
I think sticking to a regular posting schedule for this month also helped contribute to our increased readership. We posted twice per week (generally Sundays and Thursdays) so that gave us a total of seven posts for the month. I think it’s easier to get users and page views if you have new, relevant content to share at least on a weekly basis. You can seem kind of spammy if you are re-sharing the same content over and over, but sharing things regularly keeps you on people’s radars. It’s a thin line!
We totally kept up with the killing it on social media game for our second month. Partner’s in Fire has over 1000 Twitter followers and almost 500 Instagram followers! We even increased our number of Facebook likes by a tiny bit even though that wasn’t a major focus (maybe once we get over 1000 Instagram followers we will focus on Facebook!) The best part about this is that I feel like the Twitter community is even more engaging as it was before. I’m definitely achieving the goal of maintaining an engaging follower-ship as the numbers increase!
We are still learning so much when it comes to blogging! I’ve done much better with Canva and creating images – I just learned that using the blog banner template makes the featured image look way better! I’m creating multiple pins per blog post rather than just re-pinning the same image.
We are also learning a lot about SEO. There are a few really cool keyword research tools that I’ve been utilizing to help me find better keyword phrases (though that’s not really transferring to pageviews yet…I’m still learning!)
My writing skills have greatly improved over the past month. I’m regularly getting green readability scores after my first edit, which is great! During the first month all I saw was red! I’m learning how to separate my content into easily digestible sections, rather than just posting a huge wall of text. I think that really enhances the user’s experience!
We added a bunch of affiliate links (tastefully, I hope) to the blog this month to begin the process of monetization. We know these things take time, but thought think it’s best to get started as soon as possible.
One of the limitations of using Amazon as a new blogger is that the Amazon* affiliates program kicks you out if you don’t have a qualified sale within the first 6 months.
Luckily for us, we did get a few Amazon sales this month! We got them by being supportive of other bloggers. Being supportive and lifting each other up is seriously the best way to start. We reached out to our Twitter friends asking for links to their affiliate stores, so that when we need something from Amazon, we can support them. I started my list and bought the thing I needed from one of my blogger friends (and will continue to use the list every time I need something) and miraculously, someone decided to pay the favor back and purchase something through our store!
We also created a google docs spreadsheet with a huge list of bloggers that we can support, so if you are interested in having it or adding your blog to it, please send me an email (melanie@partnersinfire) and let me know! I’m not going to post the list on this blog because I don’t want to get banned from Amazon. I don’t think having a list is specifically against any of their rules, but why risk it?
We also signed up with some additional affiliate programs, to include Clicky-Homes* and Flex-offers. Flex-Offers is interesting because it’s a website that’s just a conglomerate of affiliate links. You have to register to access the website, and then you have to apply for each company you’d like to partner with. Most of the companies that are members aren’t really applicable to the field of personal finance (lots of retail) but I did sign up for a few of the travel affiliates and incorporated them into my travel blog.
We are still using Adsense to generate ad revenue for our blog. Currently, we’ve made about twelve bucks total with it (and they don’t give you a payout until you reach 50). We are hoping to get enough unique visitors and page views in the next few months to upgrade to a better ad program.
Our goals for February are to work really hard at alternate forms of marketing. My biggest challenge is E-mail marketing. The goal is going to be to get ball rolling on e-mail subscribers, though I’m not entirely sure how to do that yet. It’s probably going to take a lot of research, but I’d love your input! Also, if you aren’t already subscribed, don’t forget to sign up in the side bar!
My other big goal for this month is to continue growing our readership. I want to increase by 200 readers again, so that we have 500 total users for this next month. It’s a hefty goal, but I think its achievable.
I also signed up for the Share-a – Sale affiliate program. I haven’t used it yet, but I’ll be sure to add it to my updates for next month!
What are your favorite blog growth strategies? Leave a comment and let us know!
Hey folks! Transparency Disclosure- Some of the links in this article are affiliate links. That means I’ll receive a small commission if you decide to click on it and buy something. Don’t worry, it doesn’t cost you anything extra!
Ok, the disclaimer is a bit mis-leading in this one. This post is mostly one big affiliate advertisement for the one thing that I wish my realtor had when I was trying to buy a house: Clicky-Homes*.
Wait, stay with me! This isn’t an advertisement for most people. Only realtors can sign up for Clicky-Homes. For those of you who aren’t realtors, this is just a fun post about my experience trying to buy a home from 2000 miles away (and there may be a cat picture in it for you if you stick around!). Seriously, its not an easy thing to do! But maybe if you are ever in the market for a home, you will remember this post and look for a realtor who uses Clicky Homes. It won’t cost you anything.
Now, why do I wish my realtor had clicky homes? If you read any of my previous posts or know anything about me at all, you’d know that I recently moved from Los Angeles to Savannah (and if you don’t, you can read my first blog post about Lucking Out in Real Estate here!). I had to house shop from 2000 miles away!!
A lot of people tell me that I didn’t have to buy a house. Well, they are wrong. You see, what I don’t always advertise here on the blog (or on social media) is that I’m a cray cat lady. I have four of the little demons plus two pretty good-sized dogs. I actually looked all over the place for a rental in Savannah. Apparently, nobody in Savannah wants to rent to a crazy cat lady. Well, nobody who advertises nationwide at any rate (I can’t for the life of me understand why, even as I stop one of them from scratching at the couch for the hundredth time today). Anyway, I had to buy.
How do you buy a house from 2000 miles away?
Zillow was my best friend for many weeks while I was still living in LA. I was scouring listing after listing from the other side of the country! I made spreadsheets of my favorites with little notes about the pros and cons of each, and talked with my realtor pretty much every day about new listings. Next, I booked myself a weekend trip to Savannah to see all these great places in person and make a final decision.
I’m sure most of you have looked at homes on Zillow and Realtor, am I right? Aren’t they so perfect in the pictures? Don’t all the homes just look absolutely amazing? Well, the photos lie. At the very least, they are super misleading. That beautiful 3-bed 2 bath ranch home actually has a master bedroom the size of a storage unit. One of those tiny ones! That “walk-in” closet is more like a shelf in real life. Pretty much every home that looked super amazing in the photos had serious design flaws that were left out.
And this is exactly why I wish my realtor had Clicky Homes. Clicky Homes is the first and best visual media platform for real estate. They have live streaming events, virtual tours, and even use Youtube! It’s the best way to see a home without actually being there.
Obviously in person home shopping is the best idea, but we don’t always have that option. I’d rather have a realtor who could live stream a walk through to me than only have pictures. If my realtor had clicky homes, I would have been able to knock off 70% of my list of homes before ever stepping foot in Georgia. I wouldn’t have had to waste hour after hour looking at homes that pretended to meet my requirements but didn’t in real life. I could have focused more on the 30% of homes that really did meet my needs. Do you know how much easier my life would have been if I only needed to look at 10 homes instead of the 50 homes that I crammed into that one weekend?? Clicky Homes would have been a lifesaver!!
It might help you too
I’m sure I’m not the only person ever to need to buy a home from a distance. Having a realtor with access to Clicky Homes would be a huge boon to someone who is in that position. But I’m sure it would be super helpful to those buying a home in a city they live in as well. Touring homes is fun at first, but after the 15th or 20th one, it just gets exhausting. Having an easier way to narrow down the houses that aren’t a good fit right off the bat is an advantage to anyone.
So if you are buying a home, ask your realtor if they use clicky homes. It might save you a lot of stress.