Down the Energy rabbit hole
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
22h ago
We have been somewhat loyal customers of the utility company Green Choice the past 8 years. At the time we started they had a good price for green(er) energy and some other perks that made it a no brainer for us. We extended our contracts a few times in the mean time. Coming July our 3 year contract comes to a close. Hence, we just received a new offer and we have to make a decision what to do next. But the energy market is a whole lot different today than it was 3 years ago. So I went down the energy rabbit hole…. Down the Energy rabbit holeEnergy Preferences We have a personal preference to ..read more
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Becoming a Public Servant
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
2w ago
Life is never boring in the Cheesy household. After a somewhat unexpected loss of income at the beginning of the year, I have an update! I’ve got a new job, and one as a public servant! I bet you did not see that one coming. Me neither! Why on earth am I becoming a Public Servant? Let’s review, shall we? How a FIREd Brain works… Having a nice stack of cash (and investments) makes you review your career a bit differently, In my humble opinion. Whereas in the beginning of our careers we would focus more on money and career opportunities, this slowly changed over time. Once we started our FIRE jo ..read more
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April 2024 Fire Meetup
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
3w ago
As promised, here are the details for the next April 2024 Fire Meetup! Where? In the spirit of the previous meetup, plan is to keep it free and at a public location. Despite La Place being a lot more expensive than I remembered (heck, I am really getting old). They have good facilities, easy access and lots of space. Hence, plan is to meet at the La Place in De Meern (west of Utrecht). Address: La Place de Meern, Meerndijk 59, 3454 HP, Utrecht April 2024 Fire MeetupWhen? Saturday April 20th, 2024 from 13:00 onwards until…. (closing is at 20:00) What to bring? Good spirits, a desire to talk mon ..read more
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2023 Dividend Totals
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
1M ago
Before diving into the 2023 Dividend Totals, I’d like to thank all the 25-ish people that showed up during the last FIRE meetup in Leiderdorp! I had a blast, I hope you did too. We even got to the point that the last 6 of us pretty much got kicked out of the La Place as it was about 30min past closing :-). Plan is do do it again, likely around April. Location and date are to be confirmed. Keep you posted! Anyhow, what did our dividend growth share do in 2023? Here is a quick overview. Dividend Income Due to work, time and life limitations I was not able to do an dividend update since May last ..read more
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Should you buy a Castle?
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
3M ago
Me and Mrs CF just spent a night in a large manor close to Haarlem. It was a surprise “date night” by Mrs CF. She really knows how to make my heart go a bit faster . I love castles! We did a FIRE meetup once in one. But we could never make one work financially for ourselves. We could probably buy one, but it would likely bankrupt us in the long run. So here is a post I wrote a few years back if you should buy a castle (note that some of the numbers and linke might not be completely up to date!): In the series “Should you ….”, today the question should you buy a castle? All of us have ..read more
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FIRE Meetup
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
3M ago
When we had one of our FIRE buds over for dinner a few weeks ago, we got to the topic of FIRE meetups. We organized about 7 of them plus a Castle weekend. Albeit a lot of fun, they take a lot of work and effort to organise. I’m very lazy by nature, so this naturally works counter productive. We both agreed thou, that it would be great to have a FIRE meetup again. But one without all the hassle (and thus also without presentations or cheap food and drinks). We came up with the following plan, we would meet in a place that does all the catering and does not cost any money to rent…. The Details I ..read more
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Not dead yet!
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
3M ago
Nope, we are not dead yet! Albeit we are now over halfway our lives (statistically speaking), we are not planning to call it quits just yet. Life has been good but busy. Financially we are making steps forward once again too. Working really does miracles! Only major downside is that you have a lot less time to do fun stuff. Me no likey. Not dead yet!Life update Quick summary, we bought a house that was too big, too expensive and needed a shitload of work. We call that a money pit. Said money pit is slowly improving, albeit not completely finished yet. For finishing you need time and money. Our ..read more
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No Longer Koos Werkeloos!
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
9M ago
Quick service announcement. I really suck at this whole FIRE thing, seriously no idea what I’m doing. We first bought a million euro plus money pit and now I go back to work! So, I’m no longer Koos Werkeloos. No Longer Koos Werkeloos! Credits: PixabayOne does relate to the other… Despite the fact that we could live in the money pit on one income. We have depleted our cash reserves quite a bit due to the renovations (which are still under budget, surprisingly) and lack of income from my end the past year. It got so bad that we only had about €4-5k left on our regular and savings accounts. That ..read more
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May 2023 dividend update
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
10M ago
May is typically one of the slower months of the year from a dividend perspective. But we still received a total of €556 in dividends for the month. No complaining here! Now that we also sold a lot of our real estate, one of the considerations is to start buying a few more dividend generating shares. Anyhow, here is the May 2023 dividend update. Dividend Income No major changes or dividend modification this month. Nice and boring, but again more dividends than the year before! We reached our $1000 threshold again in cash, and bought some BCE (Bell) shares. We like to DRIP our shares to limit c ..read more
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From Landlord to Lender
Cheesy Finance | A Dutch Financial Independence Blog
by Cheesy Finance
10M ago
As of today, we reduced out real estate holdings significantly. We now only have one more rental unit, instead of the 6 we still owned last month. Rather than being landlords, we are now acting as the bank, as we provided the buyer of our real estate with a mortgage. So we went from landlord to lender. From Landlord to Lender Mortgage House Cash – Free image on Pixabay – PixabayWhy? Why did we sell most of our real estate holdings and turned lenders? There are quite a few reasons to be honest. It was also a process that took many months to culminate. In no particular order: We moved to our mo ..read more
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