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Hi everyone! It’s been longer than I planned, and even this post is a life update rather than anything financial. My poor blog feels like the friend you keep meaning to speak to, but the longer that passes, the harder it is to reach out and say hi (or is that just me?)

The Business

I started the business in a rush of enthusiasm, before quickly realising what we already knew—I don’t have enough time! Clearly from my time study, there was no space to add a new activity, which is why blogging dropped off.

I’m still enthusiastic about starting a business, still enjoying myself, and still have 1,624,377 steps to take to get it set up fully and properly. I have to say, from a personal point of view, I’m proud of myself for starting anyway. The perfectionist in me wants to have everything lined up and, well, perfect. Of course, that means it would never have happened. Never ever. Every time I complete one task, I find three others to replace it. I’m glad I did the bare minimum to get it out there.

So Much To Do

I genuinely had no idea just how much is involved in setting up a business (thank goodness for blind ignorance). Each new activity ends up as a mini project. Take something as simple as Twitter. I thought, I’ll sign up for Twitter. I know the platform from this blog. Twitter is easy, and I enjoy it. But then you have to:

  • Read the Terms of Service and Privacy Policy (yes, I’m that person. And yes, I have chosen not to sign up for things because I didn’t like what I read in the policy.)
  • Reread privacy 2 weeks later when GDPR comes out
  • Set up my profile
  • Write a pithy description that will let people find me but isn’t too salesy and represents the essence of me as a person while still describing the business
  • Figure out who to follow, what to tweet, when to tweet, and who I should be tweeting to
  • Realise there a thing called Twitter marketing, throw my hands up about learning it, and decide for now, what I’ve done is good enough (add Twitter marketing to my to-do list in Asana).

Repeat. Repeat for every social media platform. Repeat for branding. Getting business documents sorted. Finding customers. Setting up email and website and figuring how to get paid when I find someone to pay me…

But I’m Back!

So how did I find my way back? Where did the courage come from to finally say that “hi”? It’s early morning. I’m sitting on the top deck of a houseboat, in a quiet cove of the Hawkesbury river. We’re away for our annual board games weekend, and there is no internet access. I can’t check email in the hope I’ve found a client without actually doing any marketing or outreach. I can’t tweak my website. I can’t tweet or email or research. Right now, there’s me. A crisp breeze. The hollow press of water against the houseboat as the tide does its thing. The birds: cockatoos, a grey heron, a seagull, and the white-bellied sea eagles. The action of the wind and the tide is slowly turning the boat, so the tree-covered sandstone cliffs glide past.

We saw schools of jellyfish!

It brings home that yet again, all the deadlines I rush to meet are self-imposed. Maybe if the business were up and running and this was the only way I earned money, things would be different. But for now, I’ve learned it is enough. As long as I am doing something every day to move the business forward, it will happen in its own time. I can enjoy what I’m doing. Just like investing and FI, it’s about building strong, sensible foundations, then sticking it out for the long-term.

It’s a sandstone rock, shaped like a boat. Work

I’m struggling at work. I’m sure this is partially to do with the excitement of starting a business, so I resent the hours it takes away. However, remember the project that just keeps getting pushed back and back? The one which, when I was employed, I was told would by live by mid-2016? It no longer has a go-live date. It’s become this massive too-hard basket that’s reaching to C-suite and GM level—way above my pay grade and certainly far above my level of influence. There’s both internal and external politicking, and I’m incredibly frustrated. We are bureaucratising ourselves out of action.

My job looks nothing like I expected it would when I started. I’ve had to decide what is in my level of influence. All I can do is keep my head down and set myself goals within this. Whatever happens, I can get my bit done, and outside work just keep plugging away in the little time I do have, to set up some change for my future.

Budgeting

I didn’t budget for a whole month, and it was horrible! Not only did it start becoming this big thing that was too hard to get back to, but we spent a whole bunch of money and I can’t tell you where it went. In the end I set an hour in the calendar to catch up. This turned into 2 hours and fighting with Mr. ETT while we tried to figure out what was what. Sad news, we spent a lot of money in May, and not on things we value. Happy news, we’re back on track.

Investing

Investing in a Vanguard managed fund turned out to be a good choice, because it just kept happening. We ignored it, but it’s set up on autopilot so the money dropped in, unlike Ratesetter and Acorns, where I must actively choose to invest. This did still happen within the month, but only just.

Financial Advice

I booked meeting with a financial adviser. This is less for general financial advice (I’m reasonably comfortable with our plan), more for specific advice around eventually moving house. I chose him because I attended a short course on wills he taught at my local community college last year, and he demonstrated FI values. I couldn’t get an appointment until August, but there’s no rush. Looking forward to telling you all about it!

Growing Herbs Update

My poor oregano nearly died of thirst! The thyme seems to be a bit hardier, but it was also on the brink. With it becoming darker and colder in the mornings before work, I stopped going outside so frequently. The result was this:

Can you see one tiny green leaf in the back left?

No thanks to me, there was one tiny, tenacious little leaf that hung on, so now we’re back to this:

It came back! No thanks to me…

What a terrible plant parent.

Not Drinking

I can’t believe it’s June and I’m already 6 months in to giving up the grog for a year. It’s been easy, and I’ve rarely missed it. I haven’t looked back at the financial impact yet. Also, it appears as though I will break it. Mr. ETT and I will reach 2 decades of marriage this year. There’s a special bottle of wine which is probably off we’ve kept to celebrate. Mr ETT also bought me an experience at a winery last year before I came up with my idea. I certainly wouldn’t want it to go to waste on a whim. Again, look at me being all flexible. Who is this person, and what have you done with Mrs. ETT?

I’m Back, But Not As You Know It…

I miss blogging and the FI community, but it’s important to me to give this new business a red-hot go. To this end, I will begin to post monthly, probably with our budget and life updates. I’ll use some more time to get back to reading blogs, and talking on social media.

In the meantime, how are you all? What’s been happening while I’ve been away?

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When I first looked at how to reduce our spending, I started with food. Unlike council rates, I could control how much we spent and it provided an easy win. But did you know that focusing on reducing food waste can provide wider economic, environmental and social benefits too?

“It is estimated that Australian households throw away almost $4,000 worth of unused food each year.” – Hon Michaelia Cash and Hon Zed Seselja

Why Fight Food Waste? Social Benefits

“Eat your dinner. There’s starving children in Africa.” Anyone remember this oft-repeated phrase from my childhood? Although trite, food insecurity occurs in all countries, including Australia. Our food industry produces enough to feed 60 million people annually. Australia’s population in 2016 was 24 million. Yet increasing numbers of people, including children, are going hungry.

Foodbank, a charity that works to fight hunger in Australia, states that 15% of the Australian population have experienced food insecurity in the last year. This could mean choosing between eating or paying for petrol to get to work. Physical health, mental health and confidence are all affected. Nearly a million people have to deal with food insecurity daily. In 2017, 65,000 people every month asked for food relief but couldn’t be helped by charities.

Given this reality, it’s difficult to imagine throwing out perfectly edible fruit or vegetables because they don’t meet a contrived aesthetic standard. Yet this is what occurs.

Environmental Benefits

Next time you pick up an apple in the supermarket, stop to think of all the resources expended to allow it to sit in the display bin, all red and shiny.

The apple is grown, using water, fertiliser and chemicals. It’s picked using farm machinery, then transported by road, rail or air to a distribution centre. Here it is stored in a temperature-controlled environment, before being transported again to its destination. Imagine all the electricity used, chemicals sprayed, petrol fumes generated and non-renewable resources that have been consumed getting this apple from farm to your hand.

Beyond that, if you don’t eat the apple and throw it in the bin, food waste in landfill contributes significantly to greenhouse gas production.

Economic Benefits

Australia has a robust food production industry that contributes 3.6% of GDP, or about $60 billion dollars. Despite this, $20 billion dollars is lost each year to food waste. I know it’s simple math, but that is one-third! Can you imagine any business running at a 33% loss? Not for long, that’s certain. Globally, it’s estimated that a billion tonnes of food is wasted each year. That’s nearly ONE TRILLION dollars worth.

No matter what your concern is, whether it’s feeding people, saving money, or saving resources, reducing food loss and waste just makes sense.—Brian Lipinski, WRI

Who Is Fighting Food Waste? The World

Many countries have set up strategies to tackle the problem of food waste. The United Nations runs a Save Food initiative. The UK, USA, Canada, Denmark and France all endorse schemes, or have legislation to help reduce food waste.

Australia

Food waste is such an issue in Australia that the government has recently awarded $30 million to establish a Cooperative Research Centre (CRC). A CRC is a collaboration between community, industry and researchers to solve identified problems. The Fight Food Waste CRC was developed in line with the National Food Waste Strategy launched on November 20, 2017. Its vision is “to profit and protect Australia’s food industry.”

What Is the National Food Waste Strategy?

The goal of Australia’s National Food Waste Strategy is halving Australia’s food waste by 2030. The aim is to tackle food waste at six different points. Below is how food waste occurs at each of them:

Primary production—Disease, weather, pests, damage to food during harvesting or storage, changing tastes of consumers, falls in profit or produce not meeting specifications such as size.

Processing and manufacturing—Damage to food, damage to packaging, contamination, spills, spoilage due to temperature, throwing away too much of a food in processing (for example, over-trimming of vegetables)

Distribution—Poor handling practices and uncontrolled temperatures.

Retail—Incorrect storage conditions, damage due to poor handling, stock not being efficiently rotated, no access to facilities to recycle food waste.

Hospitality and food services—The same as retail.

Households—Buying too much food, not knowing the difference between use-by and best-before dates, unsure how to store leftovers, no access to collections to recycle food waste, or understanding how to do it themselves.

What Is Australia Doing Now?

There’s some amazing work happening to help reduce food waste in Australia already. Some current initiatives are:

  • Composting to produce bioenergy
  • Converting food waste to animal feed
  • Extracting nutrients from food waste for use in other industries
  • Rescuing wasted food for redistribution
  • Using microwaves for pest reduction
  • ‘Megasonics’ to reduce oil loss in seed & fruit oil production
  • Invisible, edible ‘skins’ to help preserve fruit
  • Laser labelling
  • Web portals and apps to donate, buy or sell excess food
  • Working to change consumer opinion of how food should look
  • Changing eating-out culture to make it acceptable to take food home I always do this. I’ve paid for it anyway, and I get lunch for the next day.
  • Taking food that’s aesthetically unpleasing and repurposing it into pre-chopped and packaged vegetables. I have previously pooh-pooh’d these wastes of money. However, if it means that food is being rescued that otherwise would have been wasted, I’m all for it if the packaging can be improved.

How Can I Reduce Food Waste?

Mr. ETT and I used to waste food all the time, particularly fruit and veg. This was a combo of being idealistic—we knew we should be eating them, so we bought them… without any concrete plans of how we were going to use them. Then they slowly withered in the crisper, their softening wrinkliness accusing us each time we opened the door of the fridge. There was a burden of guilt attached to these once brightly coloured, now browning puddles of organic matter.

The first step in reducing food waste is to change your story. Simply say to yourself: “I don’t waste food,” or “Our family doesn’t waste food.” Saying this each time you are about to throw something out can be a clue to reach for your phone and Google “what to do with leftover {insert food here}”. I’m amazed at some of the ways to save or use almost out-of-date food. Don’t forget—I’m lazy. I’m not talking about creating a mural out of preserved, dried food scraps. Many of the solutions are so easy to implement, you’ll think “why haven’t I been doing this all along?”

Congratulations to WFT on his recent Rockstar Finance feature!

The second step is to be realistic about what you will use. These days I buy 5 pieces of fruit a week—one for each workday for me. Mr. ETT doesn’t eat fruit at all, so I don’t buy it. If there’s any left over, I’ll buy less the next week.

The third step is to meal plan. If I don’t have a planned use for it, I don’t buy it. I’ll break this is if there’s marked-down vegetables I can bring home and freeze, such as pumpkin. Or, I may substitute a marked-down ingredient for a planned one while I’m shopping, if I know it won’t make a difference to the final meal.

Other Ideas For Reducing Food Waste

There are about 7 million results on Google when you search for how to reduce food waste, so I’m not going to repeat them here. Instead, I turned to other personal finance bloggers to get their top tips for fighting food waste, which you’ve seen throughout the article. If you’d like more wisdom from them, click on the image to visit their websites.

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For the first time since I started, I have nothing prepared for this week’s post. Note I say “prepared”—I have plenty of topics lined up that I want to write about, yet I haven’t committed to any of them. My online friends will also have noticed that I’ve not been commenting on blogs, nor Tweeting.

What’s Going On?

I’ve spoken about my job in the past. In 2016, I was employed as part of a project team to help roll out a new software system. It was due to go live 3 months after I started. I grant, this timeline was never going to be achievable, but there were reasons for it. We are now in April 2018, and the project go-live has just been pushed back yet again. Not only that, but we no longer have a new date. It’s entirely possible that 2019 is on the cards. I like the work I do. I believe in the product and I get that we don’t want to be putting something in that isn’t ready. But I’m frustrated. There’s nothing in this process that is within my control. I can just hold on tight, keep working hard, and go along for the ride.

My plan for some time has been to see this project in, support it for 6–12 months, then look for a part-time job. I’ve approached our Director twice to ask. While she’s been supportive, it isn’t possible due to the work required on the project. I respect that. Also, I agonised over going for an excellent part-time job late last year. One of the concerns for me was that we were heading towards our go-live (at the time), and I dealt with massive guilt about not staying to see it through. Of course, the go-live has been moved twice since then. While I didn’t get the job, that is a lot of wasted guilt, and I’ve learned a lesson from that.

Our Future

I think this year has established that Mr. ETT and I aren’t quite on the same page about what we want for our future together. Or, if we are, we aren’t in agreement as to how best to meet our goals. We still have not sat down to talk about it, which is me being cowardly. I will pin him down today and see what we come up with. I suspect we’ve reached Mr. ETT’s level of tolerance as far as cutting spending goes. And you know what? If that’s the case, it’s OK. This is a partnership. I don’t mind working—I just want to do less of it. In fact, I’m happy to reach for plain old FI, and leave the RE. As long as I can be a part-time employee.

I was also reading over my Kiama post, and I noted again how we want to leave Sydney. We’d like to head to a regional centre. While we have family to support here for now, one of the issues is that finding a job equivalent to mine is rare in these places. And because they are in the country, once people have a job, they don’t leave! Of course, I may be lucky enough to find a business that will allow me to work remotely, but surprisingly, the industry I work in has been a slow adopter.

When I stop and look at all I’ve written above, I can see it for what it is—excuses. Excuse after excuse. I can’t tell you the number of people we know who have moved lately. AwP moved down from Queensland to NSW. We’ve had friends move 2 streets from their old address, while others have moved countries. Many are walking away from their jobs, most don’t have a new one lined up, and it’s worked out for them, so it can’t be impossible.

Taking steps to change our future. Image Credit: Comfreak My Solution

Looking to the future, I need the ability to be able to work where I live. Rather than relying on an oversaturated job market, I decided to create my own opportunities, which means working for myself. The truth is, I have started a small business. Yes, it’s a side hustle at the moment, given I’m working full-time and still volunteering and doing most of the other activities I identified in my time study. I wasn’t planning on starting until the project was live. However, the opportunity presented itself, and now I’m glad I began when I did, because… delays. Instead of waiting and playing by someone else’s timeline, I’m building my own. It’s an excellent situation. Although I may be time poor, my full-time job can bankroll my startup costs, and I can take my time to do things properly. There’s very little risk attached.

What there is, though, is an enormous amount of work. Setting up a business is almost like building a house. There are a myriad of moving pieces, and it’s important to spend time on the foundations to ensure everything works out. Also, I love learning new things, which means I’ve allowed myself to be swallowed up in learning all I can, designing systems and processes, and planning. This in turn means I haven’t spent the 6 hours a week I usually spend, preparing this blog post. I’m sorry, dear readers. Now I’m here writing (the night before), I remember just how much I love doing this.

What About The Blog?

It’s staying. As I said, I’ve still got plenty in the personal finance space I’d like to write about. No matter what Mr. ETT and I agree on, we’ll still need to keep an eye on our spending and set goals, so the monthly reports will continue. What I am doing is giving myself permission to break the strict 8 day posting cycle I’ve been on since the beginning. Being the contrary bugger that I am, now I’ve got permission, I’ll probably continue to stick to it. If not, though, there will be a minimum of two posts a month. This might give me some more space to get back to commenting on others’ blogs, and back to Twitter. I enjoy both activities, and I’ve missed being part of the community in this way.

Here’s to trying new things, and taking tiny steps towards building a new future!

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In 2017, we spent $64,000 on everyday expenses. In 2018 we have the goal to be able to live off one wage, or $60,000. To generate that using passive income and the 4% rule, we’ll still need $1,500,000 invested! Every dollar less we spend is another dollar we don’t have to save up for in retirement.

Daily Spending Rate

March. Sigh. I knew the health insurance was coming, so I also knew that this was going to be another month we wouldn’t meet our daily spending rate. We are a quarter of the year through, and it’s been normal life expenses that again have pushed us over. I’m feeling discouraged, because April will be the same. Our house and contents insurance is due, along with registration for my car and Mr. ETT’s motorbike. I will put the oven and stove on hold again.

It’s getting worse. Our Budget

As I reflected after one year of blogging, I want to be more transparent in reporting our numbers. This is the first step—everything we budgeted and everything we spent via our top-level YNAB categories.

In my 2018 Spending Goals post, I identified three areas of spending I thought we could cut to reach our goal:

Food $911.81

I had to pay for nearly $50 of Groceries Want (junk food) from my spending money. I’m stress eating because of work, although I’m aware and trying to moderate my behaviour again. Each of these purchases was made knowing I would need to reimburse, so it was a deliberate decision. I also paid for some KFC directly out of my spending money, despite the Eating Out balance having enough to cover it. Learn from my mistake—it was awful! I really wanted to enjoy my dinner, and I did not. It was compounded by knowing I was consuming my personal spends!

Mr. ETT had to pay for $117.40 worth of alcohol. He went away on a long weekend motorbike group get-together, as well as purchasing a bottle of spirits. Despite having access to YNAB and recording his spending, we still argued at the end of the month. He doesn’t think he should reimburse his spending for drinking while away. He said if that is the case, then we aren’t budgeting enough for alcohol. I said that if it is really that important for him to drink, then he should be happy to spend his own money on it. We’re at an impasse as I write this.

Clothes $19.89

I needed some stockings for work, and Mr. ETT needed a make-up brush for his play. $250.26 left for the rest of the year.

Gifts and Giving

Less than $10 this month on both, so I’ll roll over the difference to April and donate then.

General

I thought I might start reporting on our spending in terms of the number of days early retirement it costs us. Some of these items are essentials—there’s no way to avoid them, so counting the cost in days is pointless. However, I’m hoping to embed the concept that the way we choose to spend our money now has a direct correlation to how long we have to work in the future. Calculations are based on 2017’s Daily Spend Rate of $193.

Health Insurance = $1,984 (10 working days early retirement)

I did a bit of shopping around, but decided to stay with our current provider. There are two reasons: firstly, the majority of insurers enforce waiting periods, sometimes up to 12 months. Now we have existing conditions, it’s not matter of simply swapping. Also, the plan we are on is no longer available. When I sat down with the insurer, it appears that we are getting a higher level of benefits for the same price as the new plan. What annoys me most is that there is no option to increase the excess beyond $500.

I’ve just realised that paying for this yearly over the next 10 years will cost us 100 working days, 20 weeks, or 5 months of early retirement. And that is without the inevitable, way above CPI yearly cost increases. Damn.

Motorbike Green Slip and Insurance = $1,077 (6 working days early retirement)

This doesn’t include the registration, as Mr. ETT will pay it in April. On a happy note, I received my green slip refund of $54.48. Have you got yours yet?

Other

Jetpack made me laugh by complimenting this site while trying to sell me an upgrade. Template, anyone?

I suspect their definitions of “large” and “successful” are different to my definitions—particularly at $30/month!

Mr. ETT and I had a singing battle in bed on a Sunday morning—George Harrison’s “Got My Mind Set on You”.

Mr. ETT “It’s gonna take money
A whole lot of spending money
It’s gonna take plenty of money

Mrs. ETT “It’s gonna take time
A whole lot of precious time
It’s gonna take patience and time

This is us in a nutshell.

Also, AwP, Poopsie, Miss Balance and I went to see Mr. ETT perform in Much Ado About Nothing. I loved it, and it was great to get together with those two very busy women. I also got to meet the titular Poopsie of “Adventures with Poopsie” fame!

Personal Goals Stay Sane

Not fantastic on this front. Is anyone a fan of Napoleon Dynamite? We only discovered this gem last year, but we’ve watched it a couple of times. I spend my days at the moment mimicking Napoleon’s mannerisms, particularly “Fricken’ IDIOTS!”, followed by a disgusted sigh. Don’t get me wrong, I still like my job. I know this will pass.

Freakin` Idiot! - Napolean Dynamite - YouTube

Exercise!

Nup.

No Drinking

Probably just as well I’ve given it up. Still no temptation, though, so I think I’ll stop reporting on this (unless I break it, but I can’t see that happening).

Affiliate plug!

I use (and totally love) YNAB to track my spends and budget. Mr. ETT doesn’t exactly love it, but he does use it—super important when more than one person is involved in spending money. YNAB offers a 34 day free trial period. If you try YNAB and after your free 34 days, you love it as much as I do, then by signing up through this link, both of us will get a free month in our subscriptions!

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Last week, I recovered $54.48 of money that I, as the registered owner of a vehicle in NSW, had been overcharged. I was one of 4.2 million people eligible after a change to the CTP Green Slip scheme. If you live in NSW and were the registered owner of a car before 30th November 2017, chances are you may get a CTP Green Slip refund too.

What is a CTP Green Slip?

A Compulsory Third Party Green Slip is a form of insurance required for all registered vehicles in NSW (aside from trailers). Money collected under this insurance scheme is used to support the recovery of people injured in motor vehicle accidents.

Why the Change?

The State Insurance Regulatory Body says:

“The previous scheme was broken. An injured person often had to wait on average between three and five years after the motor accident, to receive compensation. Only 45 cents in every CTP dollar collected by insurers… went to injured people as benefits. The rest went in scheme costs, insurer profit and legal and investigation costs. NSW had some of the highest premiums in Australia and without reform, prices would have continued to rise. Fraudulent claims were estimated to add up to $75 to the cost of each Green Slip.”

What Changed?

Payments are no longer made as a lump sum. So, in most cases there isn’t a need to determine fault or negotiate a compensation amount. This means less money spent on complex legal and medical investigations, and more money spent on injured people.

Payments begin more quickly after a claim is made, and all people can claim for up to 6 months, regardless of fault. If the fault is not the injured person’s, then they may be able to claim for longer than 6 months. The money can cover home help, a percentage of pay, and treatment/rehabilitation costs.

More detailed information on benefits and claim periods can be found on the SIRA page New Benefits for Inured People.

How Do I Get My CTP Green Slip Refund?

Patience, young padawan. First, an understanding of the refund limitations.

Motorbikes are not eligible for the refund, as riders have three times the chance of being injured in an accident, and sustain a higher rate of serious injury. The cost of an injury claim by a motorcyclist is nearly triple that of people injured in car accidents. Instead, motorbike riders benefit from the new “payment despite fault” provision. 90% of motorbike claims under the old scheme were restricted to $5,000 combined income and medical costs, as the rider was deemed at fault. Now, they are eligible for 6 months as detailed above.

Refunds of less than $10 will not be paid.

Claims for a refund must be made by 30th September 2018.

Due to the high volume of claims, the website only operates between 7pm and 7am from Monday to Saturday, and all day on Sunday.

You need a ServiceNSW account (easy to establish if you don’t have one already), as well as a record with the RMS that has a phone number and email address recorded. Don’t worry if you aren’t sure about this, it will tell you if you need to do anything.

Refunds are paid on pro-rata basis. The new scheme began on 1st December 2017. The closer your renewal to this date, the larger refund you are entitled to. The image shows an estimate for a car in the Outer Metro area. Other refund estimates exist for Sydney Metro, Country, Newcastle and Wollongong.

Show Me The Money!

Visit the Claim a CTP Green Slip Refund website (don’t forget – only after 7pm Monday – Saturday, or all day Sunday)

Registering for a Service NSW Account

If you don’t already have an account, it’s easy. Sign up to create an account, then wait for an email with the activation code. Activate your account, and log in.

In the next step, you have the choice to complete your personal profile. Not being one to give away information when it isn’t strictly necessary, I decided to skip. I don’t know why I bothered, because the rest of this process is about linking various government departments that already hold my details anyway.

Once at your dashboard, you need to link to the RMS, by  clicking on the {Link Services} button. Once there, click on Roads.

Three ways to link your account:

NSW Driver Licence or Photo Card

Customer and Vehicle Details

myRTA.com Account

Apparently, if you don’t have a telephone number and email address on record with RMS, you can’t link the service in any manner (believe me, I tried!)

Grrr. I can’t believe I have to get on an actual telephone and talk to an actual person.

It only took 45 minutes waiting on hold to provide the needed details the next day. At least I was met with the following when I tried again:

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I tracked my time in February. This came about because I was feeling overwhelmed after returning to work. I had no time to do what I wanted! Last week, I explained how I prepared the time tracking data for analysis. This week is the fun part—digging in to what it can tell me about myself. If you’d like to dig into my data for yourself, you can play with the Tableau graph.

The Big Picture

First, let’s take a high-level overview of how I spent my 3 weeks. This is slightly skewed, as I had 2 Fridays off during this time.

Work and sleep, work and sleep.

I play Dungeons and Dragons on a Friday night. Normally, work would have outstripped this as well. Looking at those bubbles, on Fridays I spend more time on DnD than sleeping! I did say that was one rare activity I actually give up sleep for.

Over a more average period, work would take up a higher percentage than we see above (Week 2, when I did work the Friday, I had 32% sleep and 28% work. That’s a more normal week).

How Much Do I Work?

Overall, I slept a third of my time, and worked a quarter. However, if I look at Monday—Thursday (the days I worked consistently over the period), it’s a very different story. On these days, work+travel+getting ready accounts for 46% of my day (!) and sleep for 30%. That’s pretty huge. No wonder I suddenly felt the loss of all my time.

How Much Do I Sleep?

I love sleep. Anyone who knows me, knows this. I’m adamant that I’m an 8 hours a night woman, and I definitely suffer if I get less. I am averaging 7.6 hours sleep each night, but this is not distributed evenly throughout the week. I am sleeping less on working days, and making up for it with extra naps on weekends. During the week, my average is 7.2 hours, whereas on the weekends it is 9.3 hours. The jury appears to be out on whether you can really make up sleep debt. Overall, it seems that sleeping extra on weekends may go a small way to making up sleep, although it will never have the benefit of getting that night’s sleep in the first place. I’m still within the 7-9 hours recommended for adults, but I’d like to increase my weeknight sleep a little more.

Right. Now we’ve dealt with my two biggest activities (and arguably, the ones I have the least control over), let’s look at how I spend the rest of my time. I’d like to say “leisure” time, but there’s still responsibilites.

Responsibilities

Unfortunately, part of being an adult means… adulting. Housework, cooking, feeding ourselves and the furballs, searching for that darned bill that I’m sure I paid or did I set it aside to double-check what we were being charged if only I were more organised I would be on top of this

How Much Time Do I Spend on Food?

I was very interested in this one, now that we are meal planning, grocery shopping and cooking. I enjoy meal planning, Mr. ETT and I grocery shop together at Aldi. Aldi has less choice, which means a faster shop. We split the list in half, and both go our separate ways. Overall, I spend 4.3% of my time planning, shopping, preparing and eating. That’s the same amount of time I spend reading blogs, and just slightly more than socialising. Given that we are saving money and eating more healthily than otherwise, I’m happy with this allocation.

What About Housework?

I spent 4% of my time doing housework/yard work and random life stuff like paying bills etc. That’s almost as much as I spent socialising. This comes as a huge surprise to me, because I am a terrible housekeeper. That’s my laziness kicking in again. Or maybe, I’m finally growing up. Who’d have thunk it?!

The Fun Stuff How Much TV Do I Watch?

TV. The epitome of time-wasterage. Mr. ETT and I watch TV while eating dinner, and some on the weekends. It’s mindless downtime, but I also enjoy the shows we watch.

Big surprise – not as much as I thought. I average 42 minutes a night, which sounds about right based on the shows we watch. Even on the weekends I averaged just over an hour a day. Not bad, Mrs. ETT, not bad.

How Does My Reading Stack Up?

I love reading, but I don’t feel like I read enough books. Pre-internet, and even for years afterwards, books were my primary medium. That has changed significantly. Over the three weeks, I spent 38 hours reading—that’s an entire work week! The problem is that I am spending too much of it reading blogs, and not enough reading books. I could also do with reducing the amount of time I spend on the internet. Some of that is the Sydney Morning Herald (basically the gossip magazine of news), some is Bored Panda, and the rest is following random interests. I confess, I do enjoy going down those rabbit-holes.

The majority of the reading I am doing is short-form. I really miss discovering an amazing story, and going on a journey with the characters. I miss the depth. Comics are great for stories, but it’s not the same. I also think I am reading blogs out of habit. When you first discover a new topic, there’s so much to learn. I devoured page after page. But after 2 years, much of the content is the same. I enjoy what I read, and occasionally I find a gem that makes me change the way I think. It’s more difficult to find those now. I’m ready to move on.

Blogging is a Great Hobby, But Takes Time…

Sometimes, I’ll be hit with a flash of inspiration, and get the bulk of a post written in an hour. Most of the time, I have research involved with my posts, so preparing them takes longer. Then there is the formatting, building graphs, finding and inserting images, editing and proofreading. I spent 28 hours on blogging activities, or about 9 hours a week outside of reading blogs. Again, in this table, reading takes up too much time. I want to comment more. I also enjoy Twitter and would like to engage with more people.

Priorities

Miss Balance suggested I look at how the priorities I’d defined for myself stack up.

  • Work and sleep includes getting ready and travel time, but doesn’t include 2 Fridays I’d normally work.
  • Priority 1 includes Dungeons and Dragons, cooking/eating, and writing blog posts.
  • Priority 2 includes socialising, volunteering and exercise.
  • Priority 3 includes all other activities.

This graph clearly shows that there is a mis-match between how I want to spend my time, and how I actually spend my time. This is particularly obvious for priority 2. My volunteer work has a natural ebb and flow as to how much time it takes. I recorded during a lull, so the wedge would be larger if I were recording now. Long time readers know, however, that it is the exercise portion of this wedge I need/want to increase. If I stopped reading blogs altogether, that would give me an extra 7 hours a week, or 4% of my time back. Even if I halved the amount, that would still be 3.5 hours—infinitely more than I do now!

Activities and Transitions

I thought I would look at not only what I do, but how I structure my day. This was an eye-opener. Over the three weeks, the number of distinct activities I do on any one weekday is only just less than I do on a weekend. This is despite work taking 11 extra hours out of those days!

Weekday 12.3 activities

Weekend 14.5 activities

So during this period of recording, work took up 30% of my week but I only..

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A month ago, I was feeling completely overwhelmed. We had returned to work after 2 weeks off, which triggered my feelings. Imagine it’s 26 degrees inside, and you step outside to a 28 degree day. It’s a bit warmer, but you adjust quickly. That is my normal working routine. Compare that to stepping outside into 47 degrees. You feel the full force of the sun boring into your scalp, trying to immolate you. That’s what returning to work after having time off felt like.

I decided to complete a time study to see whether I truly didn’t have enough of it. The old saying “work expands to fit the time allotted” definitely applies to my leisure activities as well.

Writing It All Down

There are a plethora of time tracking apps and software available. For this exercise, I decided to stick with what I have and know—Apple Notes on my iPad. I needed to minimise barriers so I would do it consistently. I didn’t want to sign up for/download/learn a new program or system. Simplicity was the key.

Knowing I would be analysing the data, I came up with a recording system I could later use to split text to columns in Excel. This was to place a dash without spaces between the start and end times, and use an asterisk between end time and description. Top Tip: Use an asterisk as the only symbol. Adding the dash just doubled the amount of separating I needed to do.

Recording was surprisingly easy. I rarely forgot until Monday of the fourth week, which is when I decided to stop.

Preparing Data for Analysis

I copied the data from each day’s note into a separate tab in Google Sheets.

While it remains highlighted, Google Sheets displays a “Split Text to Columns” option under the icon at the bottom.

When you first choose this option, Google will decide for itself what you want to split on, and it will split the data then and there. Don’t get frustrated like I did. As soon as you tell it what to really split on, it will follow your instructions.

This is why I said to stick with a single symbol. I had to repeat this task to split by my asterisk. When choosing a symbol, it’s important to make sure it isn’t a character commonly used when typing, such as the comma, period or space above. I could have chosen a semicolon but I am known for dropping those into my everyday writing as well. That’s why an asterisk was best choice.

Time Study Categories

Lastly, I inserted a column at the beginning of the table, and categorised my activities. I didn’t have a preset idea of what to use; I started, then built a master list while I was going.

Can anyone spot the 5am “my fingers aren’t working” error?

Finally, there were periods where I performed two tasks at once, such as watching TV while eating dinner, or reading blogs on the train. As I’m more concerned with the amount of TV I watch than the time I spend eating, I recorded TV. In most other cases, I chose the more active task to assign the time to. This meant I had to add a few more rows to each travel line.

So, “06:30-07:40Travel to work & 06:50-7:10write blog & 07:10-07:30*Read blogs” became:

  • 06:30 – 06:50 Travel
  • 06:50 – 07:10 Write Blog
  • 07:10 – 07:30 Read blogs
  • 07:30 – 07:40 Travel
Calculations

Once I’d done this for each day, I copied the whole lot into a single sheet, and then inserted a column to calculate duration. At first, this seemed to be a case of simply subtracting the start time from the finish time, like so:

Easy! Until I came to sleep. For the most part, my sleep extended over midnight—I go to bed before midnight, then I get up after midnight. The subtraction calculation is fine until you try to do further calculations. Then, it generates a large, negative number. I’ll save you all some time, and say the wonderful people of the Interwebs offered up a formula to fix this.

Time and Duration formats can be tricky to work with.

With all the formulas I needed to hand, I added a couple of columns at the beginning of my sheet to identify the day and week number. Then I was off!

You don’t need the “Number of Hours” column. This is where I noticed the negative numbers. Sanity Checking The Data

I started with a few simple pivot tables to get a feel for my data. (If you are reading this in a format where you can’t see the .gif, click on through to the post. It’s hilarious!)

Yeah. A day has 1,440 minutes. Of 21 days, I’d only recorded correctly on four of them! I expected a few mistakes, but not this many, and not by this much. Some days had 1 hour less, some had more than an hour extra.

What was going on? It was sleep (again). If I went to bed at 9pm on Monday night, and woke at 5am Tuesday, I was attributing 8 hours to Monday. What I needed to do instead was to make each day run midnight—midnight. That is, start the day with sleep (0:00-04:50) and end the day with sleep (21:00-0:00). This fixed the majority of the errors. Then it was just a case of using filters on my pivot tables to help find each transaction where I had mis-recorded.

Look at those beautiful patterns. I feel so much better. Time Tracking Results

Tracking provided an immediate benefit—as soon as I started, I felt better. I enjoyed doing it. I think it was the ability to see exactly where it was going that helped. Instead of thinking of all the things that I wasn’t doing, I focused on all the things that I was doing, and I actually do a lot!

I acknowledge that the act of tracking changed my behaviour. Like tracking spending or food consumption, awareness means that changes can be made in real time. I’m not worried about this effect—the purpose of my study was to find ways to use the time I have more efficiently, so if it happened a little earlier, I’m fine with that.

One way tracking changed how I used my time was less downtime. Because I knew I’d be tracking, I planned my activities ahead of time. When I finished one, I already knew what I’d be doing next. Since I’ve stopped tracking, I find myself occasionally at a loss for what to do with my time. I’ve got plenty I want and need to do. I just can’t commit to starting anything.

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In 2017, we spent $64,000 on everyday expenses. In 2018 we have the goal to be able to live off one wage, or $60,000. To generate that using passive income and the 4% rule, we’ll still need $1,500,000 invested! Every dollar less we spend is another dollar we don’t have to save up for in retirement.

Daily Spending Rate

I’ve been in avoidance mode all month, because it felt spendy from day 1. This mode is not helpful! We need to calculate our daily spending rate more frequently so we can make course corrections along the way. I will Tweet our DSR once a week as an accountability measure.

This month I even questioned our goal, because I’m seeing expenses everywhere. I don’t think we can live off one wage this year. At one point I even considered giving up. What was I thinking? I’ve been telling my nephew that anything worth doing is hard; I need to follow my own aphorism. What I thought was just our goal may have morphed into a BHAG, but that doesn’t mean we should give up. (I went down a rabbit hole of inspirational quotes – you may see some on Twitter.)

Still way too high above the goal line.

It is a slight improvement over January, but nowhere near enough. We’ll have to have some very lean months to make up for our poor start. Next month won’t be better, because our health insurance is due :-/

Our Budget

As I reflected after one year of blogging, I want to be more transparent in reporting our numbers. This is the first step—everything we budgeted and everything we spent via our top-level YNAB categories.

Food This month hurt our personal spends.

We went over on two categories—junk food and eating out. We both agreed to cover this from our spends, but the final total hurt. It’s equal to one week of our spending money—each. It was a very busy, social month.

Spending Outside Our Values
  • We went out to a chain German restaurant for a family member’s birthday (their choice). It was expensive, the food mediocre, and the atmosphere like a nightclub. Unpleasant, and a waste of money. At least now we know not to go back.
  • The other waste of money was a night after work when we were having a family member over for dinner. I had to stay back at work, and it was all too hard, so we got takeaway Chinese. This was purely because we were having a guest. If it had happened on any other night, we could have dug in the freezer for one of our backup meals. Two of the dishes were great, one mediocre, and another awful. We won’t order from there again either.
Spending Within Our Values

  • I got to catch up with AwP and Miss Balance at a beautiful café, where we sat for three hours! This is living my values.
  • Mr. ETT and I lunched in the Blue Mountains with a group of ex-colleagues.
  • Mr. ETT went to the pub with his workmates.
  • We went to another pub with family for lunch.
  • Mr. ETT took his mum out to lunch.
  • Finally, Mr. ETT and I had to go to a major shopping centre, which is rare for us these days. Even though we were over budget, we decided we wanted sushi for lunch, followed by ice cream. It was wonderful. I mean, the sushi was OK, but being together with Mr. ETT… We both speed along at such a breakneck pace that sometimes it feels like we don’t spend time together. We’re there, but we are always doing something else (or in my case, plotting, planning, thinking ahead…) This spending was our values, mainlined!

As for the junk food, I’ve started stress eating at work. It needs to stop. You can’t out-exercise a poor diet, particularly with the little exercise I’m doing.

Clothes $45

Mr. ETT bought some moisturiser. He argued that it doesn’t belong in “Clothes”, but that’s where I’ve put it from day 1, so there it stays. We have $270.15 left for the rest of the year.

The café.  Gifts and Giving

Only one this month, so we donated to the Cancer Council. While I support the work they do, I admit to a cringe when I drew this out. I used to donate monthly, but ended up pulling out because of the sheer volume of correspondence they sent. So much paper, and none of it cheap. I hope they still aren’t posting out half a tree.

General

I started reporting on our spending in terms of the number of days early retirement it costs us. Some of these items are essentials—there’s no way to avoid them, so counting the cost in days is pointless. However, I’m hoping to embed the concept that the way we choose to spend our money now has a direct correlation to how long we have to work in the future. I base calculations on 2017’s Daily Spend Rate of $193.

Motorbike Tyres = $470 (2.5 working days early retirement)

Mr. ETT is going on a long ride in March. He found a special where the front tyre was half price if you brought the back tyre at the same time. Good tyres are a safety issue, essential spending.

Dental = $508 (2.5 working days early retirement)

Mr. ETT had another visit. This is the last one for this year—we are now saving for the rest of the work to be completed next year.

Electricity = $600 (3 working days early retirement)

Our electricity went up by $50/month. This is because of all the air conditioning we have been using. The heat is one reason we want to move.

Vaccinations = $192 (1 working day early retirement)

Frank and Jelly had their annual vaccinations. Next year they will also have to get their teeth cleaned, unless the special food we are trying helps in the meantime. Otherwise, it’s going to be very expensive.

We sat out on the balcony. This was the view inside before it filled up. Other

Someone signed up for YNAB – thanks! Please double-check that you’ve been credited with your free month.

To counteract my inherent grinchiness, I added a Christmas category to YNAB. It’s a bit late, so I divided last year’s spending by 11 months instead of 12. We now have a goal of $70 a month. Hopefully I’ll breathe easier this year when it comes time to spend.

We lost $100. Poof! Just totally disappeared. We had reconciled our cash the day before (in YNAB-speak this means that we had counted everything, and what is in our wallets matches what is in YNAB) so we know WHEN it happened. We just have no idea HOW it happened! It sucks, but at least we weren’t relying on it.

Personal Goals Stay Sane

Well, it’s started, and so much more quickly than I was expecting. I did 5 hours extra one week (for free, which I hate. Expect a future post on this). Then, it ramped up by a million, and it’s not possible for me to complete everything that needs doing. So, I am pushing back and prioritising bare minimum. My stress is manifesting not only through eating junk food—my sleep appears to be affected as well. I’m OK, though. This is temporary until go-live, then things will settle to a lower level of crazy. I’ve got this.

The view from our seat on the verandah. Nature and hanging with friends is excellent for restoring sanity. Exercise

I started exercising again! Thank goodness, because I do feel better (who’d have thought?) I woke really tight one morning—carrying some of my ramping day-job stress—so I wanted to do some stretching. I opened my 7 Minute Workout app and did a workout. At the end it balefully reminded me this was the first time since last November that I’d opened it. Pfft.

Exercise to me is like budgeting to Mr. ETT. We don’t like the process, but the benefits are undeniable. (After the pain. I need to do the app more than one day a week, because I hurt!)

No Drinking

A little more difficult this month, because I got bored. Having wine at home gave me more variety in what to drink. Without it I either have water, juice+water, or milk+/-Milo. I know the Milo is no good for me, so I try to minimise it. Maybe I need to add in green or liquorice tea. With my stress levels rising, it’s a good time for an alcohol ban!

Who needs alcohol when you can make water look so pretty?

Were you on top of your February spending as you went? How often do you check?

Affiliate plug!

I use (and totally love) YNAB to track my spends and budget. Mr. ETT doesn’t exactly love it, but he does use it—super important when more than one person is involved in spending money. YNAB offers a 34..

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In Part 1, I researched four main components of Crowd-Sourced Equity Funding—The Company, The Intermediary, The Investor and The Offer. Today I run through the process of equity crowdfunding, from inception to closure.

Equity Crowdfunding Step 1

A company decides it would like to raise some crowdsourced funds. It has made sure it meets the requirements, so chooses an intermediary to host its offer. As of February 2017, only 7 companies have licenses to act as CSEF intermediaries. This will increase in the future.

The hosting intermediary investigates the company to make sure they can take part in equity crowdfunding. This includes checks to confirm the identity of a company. The intermediary won’t sign a hosting agreement with the company without confirming eligibility.

The hosting agreement sets out the intermediary’s obligations, what services they will offer, and fees. Regulatory Guide 261 notes that there are no restrictions on fees, however fees paid should be noted in the CSF offer document presented to investors.

Step 2

The company writes its CSF offer document. The intermediary makes sure that minimum information is included, and that the document is ‘clear, concise and effective’. It must be readable and accessible to the average investor.

Step 3

Before publishing a document, the company must have written consent from: all directors; proposed directors; someone who’s made a statement in the document; or someone who made a statement on which a statement in the document has been based. The company must keep consents for 7 years.

The intermediary is still checking! It will verify the identity of directors, senior managers & officers. It also attempts to determine if they are of ‘good fame or character’. As a retail investor, I don’t want to be investing in a company if the directors have a dodgy past.

Step 4

Now the intermediary publishes the offer on their website, which officially opens it. The offer can be open for a maximum 3 months. It may be open for a shorter time, depending on the agreement made between the company and the intermediary. Offers define a minimum amount for the offer to be successful, as well as a maximum amount the company wants to raise.

The online platform must include a communication facility to allow investors to ask questions. Investors may be able to communicate with the company, the intermediary, and other investors via this platform.

Step 5

At this point, several situations may occur:

  • The offer reaches the maximum funding amount, so it is “fully subscribed”. The intermediary closes the offer.
  • The offer has been open for 3 months, or a shorter timeframe as per the agreement. The intermediary closes the offer.
  • The company withdraws the offer.
  • The intermediary or company finds something wrong with the offer—the offer is defective. In this case, the intermediary may close the offer. Otherwise, it may suspend the offer while the company writes a supplementary CSF document or replaces the original.
Step 6

If the offer raised at least the minimum amount, it is complete. An offer isn’t complete until all 5-day cooling off periods have expired. If an investor withdraws their money during the cooling-off period, it doesn’t count towards the minimum amount raised. Also, if a supplementary or replacement equity crowdfunding document was published, investors have 1 month to withdraw their money. In this case the offer can’t be complete until the last investor’s withdrawal date has passed.

If the offer did not meet the minimum amount, it is unsuccessful.

Step 7

For a complete offer, the company issues shares to the investors. The intermediary pays the company money raised (less fees) after it issues the shares.

For an unsuccessful offer, the intermediary refunds all money to investors.

For a closed or withdrawn offer, the intermediary refunds all money to investors.

The post Anatomy of an Equity Crowdfunding Offer appeared first on Enough Time To....

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Recently, Noble Oak reached out to me for a review of their new life insurance calculator tool. While this is a solicited post, all opinions below are my own. I was not paid for this post, and there are no affiliate links.

Last year, I reviewed our level of life insurance, and took action based upon what I found. Unfortunately, Mr. ETT didn’t follow through at the time, so this was a great prompt for revisiting our needs.

I’ll be the first to admit that I resent paying for any sort of insurance (not a surprise to regular readers). Even so, I appreciate the importance of having a backup, even while trying to save more, spend less and reach financial independence. What a waste if we were to work hard for 10–15 years, only to lose it all if one of us passed away. That’s the beauty of these calculators, though. You can easily check the amount you should be insured for as your life circumstances change.

Before You Start Cost of Living

You need to know what you spend each week or month. If you haven’t been tracking your spending like I do with YNAB, open your online bank account. Most banks these days attempt to categorise your spending automatically. If you can’t access this, pull out statements for your bills, keep your latest grocery and petrol receipts, and/or try to keep track of your spending for a week. To get the most accurate assessment of your life insurance needs, you have to put in the most accurate information you can.

Superannuation

You will need to know the amount you have in superannuation, as well as any insurance you have within your super. Even if you’ve never signed up for insurance within super, most people have a default level of cover. The default is unlikely to be enough. Hopefully your superannuation provider offers an online portal that will allow you to find this information.

Noble Oak’s Life Insurance Calculator

You can find the Life Insurance Calculator under the Tools and FAQs menu on Noble Oak‘s home page. There is a brief summary of what the calculator will give you, and factors you need to take into consideration for the stage of life you are at. RiceWarner audited the calculator. When someone is trying to sell you something, it’s important to know that the underlying information you are basing your decision on isn’t inherently biased.

Using the Calculator

The look of the calculator is clean and uncluttered. I’ve seen some pretty awful layouts which are difficult to use. The design of Noble Oak’s calculator is simple—great start. The first page is two easy questions about… you!

Step 2

The second page starts getting into the numbers—how much you earn, how much superannuation you have, and your occupation. If you are unsure of which group your occupation fits, you can hover over the icon to see an explanation.

Next come questions about your spending. Each category includes a slider to estimate how much of this spending is essential. Life insurance isn’t always about maintaining the same standard of living after someone dies. It can be—but the premiums will show that. This is where you need to go to your budget, bills or receipts to make a reasonably accurate assessment of how much you spend.

Step 3

The third page is about mortgage, debts and assets. I think including a reminder that you can sell some assets in the event of a death is helpful. I’m sorry, Mr. ETT—the motorbike will go. If you have any life insurance products, inside or outside of super, this is the place to add them.

Step 4

Step four asks about what is important to you after a nasty event has occurred. Everyone’s answers will be different. Even your answers will change depending upon what’s happening in your life. You can see some of our answers below. These would have been very different three years ago, before we discovered FIRE.

Step 5

The last step asks for your contact details. I’m a big web privacy advocate, so I’m not a fan of adding my email address to get something. Usually, when faced with this choice, I abandon the website and find an equivalent that offers what I need without my details. I understand why companies do this, though. Plenty of bloggers do it too. They’ve put in effort to create something of value, and if you want it badly enough, payment is your email address. Companies want your eyeballs on their products. One way to do that is to have an email drop into your inbox . Because I hate email, I keep a separate address just for mailing lists.

(Also, you can’t have an apostrophe in the name field. Sorry to all the O’Connor/O’Malley/O’Neill/O’Brien families!)

Not my real name. The Report

You can access the report immediately, without leaving Noble Oak’s website. They break down your needs into three levels: essential, important and nice to have. This means that instead of walking away when faced with a single premium you can’t afford, you have options. I’ve said before it’s better to have some level of cover than none at all.

You can also download the report as a PDF from the results screen. When I first reviewed the tool, formatting of the report meant one of the columns appeared to have no data. After communicating with Noble Oak, they worked quickly to fix the formatting. Unfortunately, this isn’t yet the case for the report I received by email: you can see that some information appears to be missing from the “Existing Cover” column. We have existing cover through superannuation. The calculations have taken this into account so it is still usable, however the details are not displayed. I’m sure this is a minor issue that will be dealt with quickly.

In summary, there are a few aspects to the calculator that still need fixing, but they are minor and don’t affect the outcome. You will come away with an idea of your life insurance needs, for an investment of about 15 minutes of your time. The only step remaining is to decide how you will act on the information.

The post An Honest Review of Noble Oak’s New Life Insurance Calculator appeared first on Enough Time To....

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