Month: July 2022

Don’t Forget To Add Back What You Love

Talk of inflation is all over the news. Worries about a recession are not far behind.

Blog posts are popping up all over to deal with money crunches, and I am sure we will be seeing more. Some posts will be about earning more, and many will be about cutting back on unnecessary expenses.

For those who aren’t confident they can earn more money, cutting expenses can be a quick win.

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Which Is Better: Investing Or Paying Off Debt?

Last year, I was thinking about the different ways people can use their money to improve their net worth.

They can pay off debt. That will definitely improve their net worth calculation by decreasing (or eliminating) the charges against their assets.

They can save money and invest it. In the long run, that invested money should increase their nest egg nicely, thereby increasing their net worth.

However, it wasn’t really clear to me that using the same amounts to either pay off debt or invest would give the same results. After all, paying off debt is great, but if you aren’t investing, you are missing out on that special sauce: compounding interest.

I decided to run through a few scenarios using “typical internists” to see how these choices could play out.

I found out a few things, including that my underlying assumptions didn’t necessarily give the results I was looking for.

(This post was originally published in 2021, but has been changed modestly.)

Continue reading “Which Is Better: Investing Or Paying Off Debt?”

Fitness Log #195 And Friday Firsts

I have been keeping track of my exercise every Friday for over 3 years, and plan to continue doing so.

I started the Friday Firsts sections as a way of keeping track of some of my “firsts” as I dealt with the COVID-19 pandemic. Things seem to be settling down, but I will keep it for now–more as a way to be aware and thankful of what is happening in my life.

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Lessons From A Somewhat Sucky Staycation

I just took another staycation.

Mr. PiN and I went back and forth several times about staying home versus trying to get away; our desire to travel was up against an unreliable car and unreliable planes. We finally decided to stay put once I scheduled several medical appointments. I elected to call it a self-care staycation.

To be honest, it hasn’t been the best vacation I ever took. Since I am likely to be taking more staycations in the future, I thought I had better take away some lessons (again), and remember to use them next time I decide to stay home.

I hope that these may be useful to you as well.

Continue reading “Lessons From A Somewhat Sucky Staycation”

Fitness Log #194 And Friday Firsts

I have been keeping track of my exercise every Friday for over 3 years, and plan to continue doing so.

I started the Friday Firsts sections as a way of keeping track of some of my “firsts” as I dealt with the COVID-19 pandemic. Things seem to be settling down, but I will keep it for now–more as a way to be aware and thankful of what is happening in my life.

Continue reading “Fitness Log #194 And Friday Firsts”

July 4, 2022

It’s been a hard few months, and I just couldn’t settle down to write much this week.

I’ll just wish a Happy Birthday to the US of A, and hope that you are having a safe and happy holiday.

red fireworks at night

Fitness Log #193 And Friday Firsts

I have been keeping track of my exercise every Friday for over 3 years, and plan to continue doing so.

I started the Friday Firsts sections as a way of keeping track of some of my “firsts” as I dealt with the COVID-19 pandemic. Things seem to be settling down, but I will keep it for now–more as a way to be aware and thankful of what is happening in my life.

Continue reading “Fitness Log #193 And Friday Firsts”