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Been out on a job working in Asia so I haven't updated this for two pay periods so will get the updates. First some photos of travels and job
Shipyard in Singapore
And most fucking important my bank balance went over 16k!!! (I started with only $670 August 1st) I'm fucking proud of myself to save this much on a $14 an hour job. (Even though the way I calculate things I haven't saved 16k yet I'm getting closer to the goal) All the overtime and travel time now is starting to add up. I WILL HIT THIS 20K GOAL NO DOUBT
balance before pay: $11,530.64
saved since Jan 2nd: $1,430.28
spent since jan 2nd: $273.26
bi weekly savings rate: 83.7%
total saved to date: $10,859.95 of total net pay of $$15,689.20
total savings rate: 69.2%
% progress toward 20k goal: 54.3%
Net pay: $1,316.72
Balance after: $12,847.36
Other savings set for 529 account: $524.00 (not included in balance)
balance before pay: $12,808.50
saved since Jan 2nd: $1,277.86
spent since jan 2nd: $38.86
bi weekly savings rate: 97.0%
total saved to date: $12,137.81 of total net pay of $17,005.92
total savings rate: 71.4%
% progress toward 20k goal: 60.7%
Net pay: $2,726.28
Balance after: $15,534.78
Other savings set for 529 account: $524.00 (not included in balance)
Last pay period I saved 97% of my pay because I was living on the ship getting fed for free and working everyday and a lot of overtime. This helps a lot. Plus the overtime, this week I will have worked like 87 or 88 hours since it's paid travel back to the USA. Anyway the sacrifices this year I make will pay off. The money I save I can use to start a business or have greater freedom. Right now it kinda sucks not having much of a life but it will be worth it. The money situation is my biggest insecurity and I'm making progress. I really feel like I can make it in the world more and more of the time. I feel like a MAN because I spend my day doing manly ass shit like banging hammers and lifting heavy shit. I'm in great shape. I exercise all day. AND I'M NEVER DEPRESSED BECAUSE I'M WORKING SO HARD. I literally exercise all day long, feel great after work and feel good. It's like depression isn't part of my life anymore.
I can't say enough how much this job has done for me personally. I know on this forum having a job is kinda a 'bad' thing, and I really think I would like to start a business one day also... but a lot of guys can benefit from getting off of their ass and working. I like this job because I feel like I'm doing the shit my World War II grandpas did. Work hard and take pride in that. Do something that actually NEEDS TO GET DONE and not meaningless corporate cubicle bullshit work.
The only thing that is a fear of mine is getting injured... being 39 I'm a little on the old side for this since most of the guys are young guys. I've been dealing with a little elbow pain but have been toughing it out for now.
Anyway 20k is not that far off... and 30k is a possibility for this year of work by the end of July.
Fucking had a problem with posting this and my message was deleted before I posted. So don't feel like writing up much now. Spent more than normal (put a bunch of money in college savings for my niece) but still am really on track. My account past 17k.
balance before pay: $14,607.18
saved since Jan 30: $1,798.68
spent since jan 30: $927.60
bi weekly savings rate: 66.0%
total saved to date: $13,936.49 of total net pay of $19,732.20
total savings rate: 70.6%
% progress toward 20k goal: 69.7%
Net pay: $2,416.29
Balance after: $17,023.47
Past two weeks in Bahamas and Mexico on a job. Lived on a ship ate on a ship Only Spent $49.43 in two weeks. Real progress. Next week I have to pay rent so it can't always be like this but I don't waste money in port on booze, clothes, hookers, souvenirs and other shit. I am building real financial discipline I will need if/when I start a business.
Overall living on a ship is depressing and I have no life at sea or on dry dock. I think I worked 130 hours in two weeks... But I'm building freedom and sacrificing now for a better future. And getting closer to my goal... My balance is at 19k.... Will have saved 20 k in a paycheck or two.
That will feel good. I started end of July by end of March 20k saved on a $14 an hour job. Starting from the bottom... 39 years old with 670$ and now 20k. It's not a ton of money but it's MY 20k that I got by working and saving and you best believe that if I start a business I will be all in and not waste that shit.
Only dark spot in my life is lack of social life. It sucks no time or energy for chasing girls. Been watching porn from time to time which makes me feel pathetic. I really should go out sometime. I'm hoping after I hit this goal and finish out a year and maybe get 30k that I can have a more normal life and not be working non stop. But if I start a business I'll probably be working non stop. Admittedly sometimes making excuses in social life but it's okay for now. Feeling a little burnt out and will be back at it someday.
Balance before pay: 16,974.04
Saved since February 13: $2,366.86
Spent since February 13: $49.43
Bi weekly savings rate: 98.0%
Total saved to date: $16,303.35 of net pay of $22,148.49
Total savings rate: 73.6%
% progress toward 20k goal: 81.5%
Net pay: $2,383.57
Balance after: $19,357.61
Almost there. Goal in sight. Over 20k in account but haven't technically saved 20k yet. 91% toward goal. On a ship and away from wifi most of the time. All I can write now. Will update more when I hit goal
Already hit 20k goal but I have to stay motivated to finish out until end of July on this job. Truth is I'm already a little burned out and am not as motivated since I hit my goal.
But if I stick with this to July I'll be in an even better place once I start a business and do what's next. Already with jobs on the scehedule I'll have a balance of 30k by end of may. I think it's realistic to have a shot at 33 k by end of July . That's well above initial goal and a really solid year.
• doing some rough math on the business idea I have I think I can start it for 10k to 15k. The extra money I save now will basically cover all of that and I'll still have the original 20k in the bank for safety.
• will post more on the business I want to start but I want to start a business that actually makes money lol ... it's going to be a service based business. All of this discipline from this year will help me to keep expenses low . I have modest expectations for the first year but I think I scan do it. If I go all in like I did this past year I should be good. If I fail I can live with having gave 100%. I'm willing to take thi risk of investing about a third of my money. All I have to do is find customers and go after it.
• in other news I'm a month no porn. I'm proud of this. This actually feels like my number one goal now since saving money is really second nature now. I want to solve the porn problem once and for all. I hate the way it makes me feel. Bad for energy and self esteem . Only exception is I can jerk off to photos of girls I already fucked. That has no negative effect on me. This giving up porn is better for my overall life and sexual health . I'll go into more detail in another post cuz it's an important topic and goal for me. Number one goal until I start a business/do what's next in July. So mark my words . No porn ever. Solve this problem and move on and build high quality life I deserve. That's it for now.
$30,000 is within sight and becoming a reality . Should hit that while out on next job. 25 days at sea so a good opportunity to save money.
Balance before $25,229.58
Spent since April 10: $610.74
Saved sinc April 10: $2,179.80
Bi weekly savings rate: 78.1%
Total saved $24,559.89 of net pay of $32,082.11
Total savings rate: 76.6%
%progress toward 20k goal: 122.8%
Net pay : $1,941.99
Balance after: $27,171.57
I'm keeping going to July then making a change. Not sure what to do... maybe business, maybe sales, maybe go back to Thailand . Probably gonna post on starting a business to get som help so I'm better informed
Edit: looked at my posts... screenshot from feb 13th shows $17k in account... now I'm at $27k April 24th. So my account has gone up 10k in a little over 2 months. Fuck yeah!
Up to 31k in account. Just got back from a job in Europe. Was working most of the time but I got to see London, Brugge, Copenhagen and Oslo. Worked in a bunch of other countries but wasn't able to get off the ship. Some photos.
Last photo is a monument to fallen sailors... a sailors grave.
Lots of continued progress. Now that I'm traveling a lot the money is adding up. It's actually kinda crazy. I started looking at my balance from the 1st of every month since January... looks like this:
Jan 1st $10,647
Feb 1st $15,823
Mar 1st $19,071
Apr 1st $23,243
May 1st $26,924
Jun 1st estimating about $30,800 based on expenses I'll pay this next week.
What these numbers mean is that since January I'm averaging $4000 a month / $1000 a week in savings
In the first 5 months at this job I saved about $10,000 in the last 5 months I've saved about $20,000
It's crazy to think I can save about a grand a week. It makes me think twice about leaving this job which I'm planning on doing in two months. I mean I will get a raise after a year and I think I can definitely save $50,000 at this job my second year. But I really think I'm going to leave. Because I have no life since I'm on the road all the time and because I have significant elbow and shoulder pain that is a reoccurring injury. There is always the risk of worse injury also. So I'm going to take this money and go do something else I think. Either business or sales or go back to Thailand.
So last two months is just keep up good habits. I feel really good about this goal and the future as well. I'm glad I really prioritized money this year. Next year will be more of the same but I also have to work on girls and having a social life. What I'm doing now isn't sustainable. I want more out of life. But this year will be so valuable and has put me in the right direction. That's it for now.
I'm gonna leave this job at the end of July. Told my boss today to be fair to him and give him time to find a replacement.It's tough to leave because there is so much earning potential. I've saved 20k in 5 months. Over the next year I'm convinced I could save 45k+. In future years my earnings would be over 100k. Point is there is a lot of potential to earn... but this is the right decision. All I do is work now. The travel is cool but living on ships and hotels gets old. I don't have much of a life and it's not sustainable over the long term. Plus this takes a toll on my body. It's really physical work and I'm turning 40 and I can't recover quick. a lot of the time I feel great from the exercise but it's not controlled like the gym and there is no recovery. The work really gives my body a beating. So I'm out.
It's time to start thinking about building something new. I've worked hard to build the funding. I have more freedom now. If I work as hard on what's next as I did on this I'll be fine. I've learned so much from building my finances. I won't squander this opportunity. Most of all I feel like a man now. I no longer have insecurity in this area of my life. I know I can go out into the world and survive and build my finances. If I wanted to settle I would just stay at this job and play it safe. But I want to build a life I want.
So I'll be here to end of July. Then I'm doing an epic road trip with a girl I dated. So excited for this. Been awhile since I've gotten laid. My relationship with this chick is so strong. Such a good friendship over the years and sex is always good. After this 3 month road trip going camping and staying with friends I think I'm going back to Thailand. going back to build something better. Going back under better circumstances and with better financial stability. I had a taste and I know it's what I want so it's up to me to build it.
So today was my last day at work. I was planning to stay until the end of July but we're really slow recently and it turns out they don't need me. I talked to my boss last Friday and said I was super grateful for the opportunity and that although I really liked the job I felt physically beat up and prone to injury and that I didn't plan on staying for the long term. I expressed that I would like to leave on the best possible terms and that I would prefer to finish out a full year with the company, which would be end of July, and that I was giving them a lot of notice to be fair to them since this year has been so good to me. The boss man was disappointed because I'm working out, I'm reliable, and good with coworkers, positive and never complain. But I don't think that he takes it personally and life goes on. I'm leaving on good terms. The point is that we are so slow in the shop that they really don't need me for a month and a half. So the best thing for them was to just ask me to leave which is okay because I'm sure I could've just called the whole thing off and stayed.
But the point is that my mind has been made up. I'm hurt from time to time with elbow pain, plus the general bumps and bruises and I don't want to get injured worse. So today ended up being my last day. I'm actually kinda emotional because I didn't foresee this happening so quickly. But I've reacted well and having money in the bank doesn't hurt. There was a lot of incentive to stay... I'm convinced that this next year (Aug. 2019- Aug 2020) I could save 45k putting my total at around 80k saved in two years. That is a considerable amount of money. The problem is I can't do it. I'm beating myself up a little over this. There is a fear that when I'm older I'll say I wish I would've stayed and made more money... especially if things don't work out for me financially in the future. I'm hoping that I take what I learned this year and continue to build good things.
So I got one paycheck left this Wednesday. will have about 34k in the bank. Starting to plan a little I think tentatively invest 20k, 5k emergency fund, 3k repay parents, 6k use to do whats next.
Next right now is either go into sales or move back to Thailand. If it's sales I have to be money hungry and driven to win. I will have to up my game even over this year. I'm actually a little scared of sales to be honest. So that means I'll have to go after it even harder. I have an offer for an entry level job right now where I would be working the phones setting appointments for reps if I want. If I go back to Thailand the idea is to be there long term. Although I have generally hated teaching over the past few years I get a visa and a decent paycheck. I know American guys there long term that have transitioned to other work. Maybe the idea would be to teach to get settled and then try to get in a multinational doing something. But even with teaching I think I can save a decent percentage of my pay. It's a tough decision to make... chase money some more, or just try to live the life I want now. The whole reason I would chase money would be to be able to live in Thailand in the future with more freedom. The long term goal in sales would be to save/have invested 300k. If I'm motivated I think I can do this in 10 years... probably less if I become a high earner. Such an ambitious goal though. Gives me some fear.
So for now I am putting a hold on all future planning. I think for this next week I won't plan at all. I want to avoid fear and worrying too much. I will focus on exercise, meditation, meeting up with friends, even got a date lined up. After a week I'll start to consider options more.
I left my job so that's it. The financial journey will continue but will also be different.
What I learned this past year
I said I was going to solve the money problem and I did. I'm not exactly wealthy but I took big steps toward greater financial security. I have enough money for an emergency fund and money to start investing and money to help me transition to what is new. What I really learned is that you need to have some sort of financial capability to feel like a man. This goes back to GLL stuff. Deep down this bothered me because I wasn't feeling like a man. I didn't feel capable in this area and I felt weak. I didn't feel like I could go out into the world and get ahead and make it. Plus doing some manly ass shit like banging hammers and turning wrenches helped also. So even though I'm not rich... I feel like a man. I can go out into the world with my head held high and not feel shame. It's a lot like solving the girl problem. If you can't go out into the world and meet a girl you carry that insecurity and inadequacy around with you everywhere. If you can't go out into the world and make money and build the life you want it's the same thing.
I'm definitely not elite with money... but I want to keep building so that I can continue to enjoy greater freedom. Honestly at 39 y.o. no debt and 34k I'm probably ahead of a lot of guys. So many guys got debt and divorces and child support. So I think I'm doing okay here. It's funny but it's kinda the same story with girls for me. Not elite, but my real goal was just to know that I could meet one girl to sleep with in a month if I had to. When I found GLL I didn't even think I could do that haha. After like 2 months I brought three girls in in that third month and I couldn't believe it. The problem is I was already 35 and already was kinda satisfied by my progress. So I laid off the gas and just kinda was satisfied with getting laid some but didn't go too hard. With money, I'm kinda scared the same thing will happen and I'm not really driven to be rich. It's kinda like I am willing to work for financial security and freedom... but I'm not willing to give everything the way Chris does. It's not that important for me to make a million dollars. I kinda want free time and a good lifestyle, and enough money. That's why I'm so drawn to living frugal. I don't want to spend a lot of money... I just want money for security. This lack of a true desire to get rich might end up hurting me. Maybe I need to get really motivated now.
Why I quit my job
This was a hard decision. I saved a ton of money this year and it could've continued. But basically I'm beat down from the physical labor. I'm turning 40 y.o. most of the guys are in their 20s. I don't bounce back that easily after hard days. And I suffered SEVERE elbow pain this past year. Fortunately it has gotten better but it was scary. My elbow would hurt if I shook hands, if I picked up a bottle of water, if I did really simple things. It still comes back sometimes at work when I use a drill. I've also had moderate shoulder pain as well. The point is that at a job like this there is uncontrolled lifts that are awkward as fuck, plus no rest days for recovery, and since it's work you push yourself way beyond the point of what would be considered exercise just so you can get the job done. I actually loved some aspects of this. I was never depressed this year because I worked out all day at work, it is satisfying to get the job done, I get to talk shit with the guys all day. And I made a lot of money by my standards. But, you only get one body. And I'm getting older. I don't want a permanent injury.
It was hard to leave because I think a year from now if I would've stayed I could've saved 80k. 100k is not too far after that. But I just have to mentally reaffirm why I made the decision. Realize how good I did this year. And be proud of a solid year. So now I have to get on to something new.
I actually have a job offer in sales. A legitimate professional sales role. After 3 years (if you survive) 100k earnings. But I've talked a lot with the manager and this job scares me and I'm not sure if it's a good fit. I would have to be motivated beyond belief. And sacrifice a lot. The other option is to just go back to Thailand now. Take this money there and keep building. I can work there and still save modestly. At least there I would be excited to build the life I actually want.
So not sure what to do but I will decide.
It's been a good year. I am pyscholgically in such a better place than a year before. There is no better feeling than walking out into the world and feeling like a man You can go to therapy all you want, read self help books, do affirmations, take cold showers, whatever... but if you aren't a man you won't feel like one. I was depressed for a long time because I didn't feel like a man and my life sucked. At just had to tough it out and work and save so I could look the world square in they eye and know that it wasn't bigger than me. So even if I'm never rich, I can feed myself. We hunt to eat. that's what men do.
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