Ski on the Cheap

Our family lives in Northern New England, so we have lots of ski slopes very close by our house. Unfortunately, skiing is very expensive and can work against our ability to save, so if we want to ski, we have to be smart about it.

little shredder--www.thethreeyearexperiment.com
Ready to shred!

Admittedly, skiing on the cheap is very difficult. Skiing is an expensive hobby, with expensive equipment, clothing, and lift tickets. But our family gets around a lot of those expenses by utilizing some of the following “tricks”: Continue reading “Ski on the Cheap”

Semi-Minimalist Kids

Somehow, having kids seems to bring, at least in Western households, so many toys, books, clothes, and activities. Our family is working towards location independence at the end of three years and so, in preparation, have begun helping our kids adopt minimalist principles in our home to lessen their dependence on stuff.

Three Years drawing--www.thethreeyearexperiment.com
The Three Year Family (we’re minimalists because we don’t have arms).

Our society has definitely bought into the philosophy that more is better. Ironically, though, especially for our kids, more stuff turns out to be worse.

The Best Parenting Book

Simplicity Parenting, written by Continue reading “Semi-Minimalist Kids”

Let’s Move to: Singapore

My family is on a journey to become location independent in three years. We plan to leave New England and give our family the opportunity to travel together. I can teach English while we’re there, which would give us health insurance and free schooling for the kids, or we might find remote jobs. So today, let’s contemplate moving to Singapore!

Singapore botanical garden--www.thethreeyearexperiment.com
View of Singapore’s Botanical Garden from our hotel room

The City-State

When my friend moved to Singapore a few years ago, I admit to not even knowing where it was, or that it was both a city and a country. Continue reading “Let’s Move to: Singapore”

The Story of How Two Average Joes Got Out of Debt and Got on the Road to Financial Independence: Part II

Does getting out of debt, saving more, or building net worth seem hopeless? Fear not. You can make lots of mistakes, start late, and still create financial independence.

boy swimming never give up--www.thethreeyearexperiment.com
Never give up!

Part I of this post details the beginning of Mr. ThreeYear’s and my financial story. Continue reading “The Story of How Two Average Joes Got Out of Debt and Got on the Road to Financial Independence: Part II”

How Do I Get Ahead If I’m Not a Mega Saver or Super Frugal? The Story of How Two Average Joes Got Out of Debt and Got on the Road to Financial Independence: Part I

Ever wonder how you can build financial independence if you’re not a super saver, maybe spend a little too much going out to eat, or like to go on vacation?

grumpy Average Joe--www.thethreeyearexperiment.com
Just a slightly-grumpy Average Joe at the lake

This is the story of how two Average Joes (or, one average Joe and one average Jane) have created financial security without being big savers, super frugal, or mega income earners (and still go out to eat and take vacations). Continue reading “How Do I Get Ahead If I’m Not a Mega Saver or Super Frugal? The Story of How Two Average Joes Got Out of Debt and Got on the Road to Financial Independence: Part I”

2017 Goals

Since it’s February 15th, I thought it was a good time to start reflecting on my 2017 goals. (Just kidding, I’m just a little slow in posting these).  So, what are my goals for 2017? This is Year One of the Three Year Experiment, so I feel compelled to get them right.

my 2017 goal sheet--www.thethreeyearexperiment.com
My 2017 Goal Sheet

My Goal Sheet

I filled out my goal sheet several weeks before the New Year. I’m somewhat of a goal nut, Continue reading “2017 Goals”

The i401K: Your Best Friend as An Independent Contractor

The i401k (also known as the Individual 401K or Solo 401K) is the 401K plan for Independent Contractors. Just as a traditional 401K offers myriad benefits for employees like tax deferred retirement savings and the benefit of lowering your tax bill, the i401K plan was set up to offer the same benefits for independent contractors.

desk area--www.thethreeyearexperiment.com
Where the independent contractory-stuff happens

Tax Savings for Independent Contractors

Since I’m an independent contractor, the i401K allows me to contribute up to $54,000* a year, tax free, for retirement. Continue reading “The i401K: Your Best Friend as An Independent Contractor”

When to Take a New Gig

Last week, I was offered a new gig as a part-time ESOL Teacher. This gig will allow me to work in two schools for a total of about 30 hours maximum per week. But is it a good idea? Does it help us with our three year goals?

new gig travel to Montreal--www.thethreeyearexperiment.com
Will the new gig help us to reach our goal of moving abroad (like to Montreal!)?

A New Gig Helps Me Mind the Gap

Personal finance bloggers talk all the time about the ways to increase your net worth—spend less or make more. Continue reading “When to Take a New Gig”

A Year of Good Habits: Make Your Bed Every Day!

What does making your bed have to do with your financial health? Good question!

Organized bedroom a year of good habits--www.thethreeyearexperiment.com
Organized, bed made, and ready for the day.

Habits are important. Good habits are small behaviors that seem so trivial, yet they can reap profound benefits in your life. Take this blog, for example. I couldn’t find any time during the day to write, so I told myself I would get up each day a little earlier and write for the first half hour or hour. That behavior, multiplied by many days, has created blog posts and content. Continue reading “A Year of Good Habits: Make Your Bed Every Day!”

Let’s Move to: Bangkok!

Golden buddhas temple Thailand---www.thethreeyearexperiment.com
Golden buddhas inside a temple

Yesterday my husband sent me a link to this school. Last February, almost a year ago, we went on an incredible, two-week anniversary vacation trip to Asia. I’ll highlight how we did that in a future post. We started our stay in Bangkok and my husband loved it. I mean, really loved it. Continue reading “Let’s Move to: Bangkok!”