Home Lifestyle 2020: What we are Taking and Trashing

2020: What we are Taking and Trashing

by Bethany

Is it cliche to say I can’t believe the year is over? 2019 has been a year of major change. We are grateful for all of it. I am especially grateful for the many FI friends we have made that support us with all of the changes.

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Highlights of 2019:

Wild year! Especially driving a dog and two angry cats for three days to Arizona. Below is what we are taking and trashing in 2020.

Taking It

These are all of the things we are taking into 2020. Smart choices, projects, and ideas that we want to continue to foster in 2020.

Travel Hacking

This always makes it on our list for “taking it”. In fact, this is how we bought our tickets to Hawaii for our wedding. Totally free with points is always a win.

It was especially helpful that I opened my own business and could get the Chase Ink Preferred and the Southwest Rapid Rewards Business credit cards. Now that we have moved away from our home base (we were both born and raised around Portland) we will need to continue travel hacking so we can fly back home.

Combined Finances

We finally did it. We combined our finances. My job shift, planning for a wedding, and then moving- it was actually a really good thing that we changed how we managed our money as a couple. As you all know, it has been a long road to getting on the same page with money for us. We talk openly about the many different budgets and money management systems we have tried.

We have a new budgeting spreadsheet that we work on together and we use Mint to manage our purchases. We talk more about money now than we ever did before since we combined finances. I have to say, I don’t think it would have worked out so well if we didn’t have a few years of practice managing our money “together but separate” first.

HerFI running the blog

In case you didn’t know, I run the blog and all social media now. If you make a comment or ask a question you’ll be talking to me. HisFI doesn’t want to write and frankly doesn’t enjoy it anymore. His and Her FI Post is still going to carry the same content- Travel, Lifestyle, and Money. It’s still about couple money – but I am the one telling our stories. I think it’s important to have couple money blogs told from a female perspective instead of just a male one.

I run through all the details on our blog including how we make money on our Transparency page. I plan to update this page once a year when things shift.

Spending report group challenge

In November of 2019 I did a collaboration with Amanda from Dumpster Dog Blog. Amanda had seen my weekly spending reports on Instagram and asked if we could put a group together for tracking our spending. The group turned into seven groups and around 210 participants. It was a huge success and we plan to do this again, maybe in the spring. Sign up for my newsletter and I will send out a separate e-mail when we launch this again in 2020.

Freelance writing, design and web design

As you know I left teaching to freelance full-time. In 2020 I have no plans to stop freelancing. I do want to shift my work to take on more graphic design and web design. I don’t think I will ever stop writing, as this fuels a different part of myself, but I hope to find more of a balance between design work and writing in my business.

Freelance

Guest Posts

This year I started accepting some guest posts for His and Her FI Post. I had two reasons for this:

  1. I wanted to give back to new writers. People took a chance on me when I was first starting out and needed a place to publish more work. I want to offer that to a new writer.
  2. Telling people’s stories has always been something I want to incorporate into His and Her FI Post. The podcast really helped to do this, but I also want to tell those stories in blog posts.

If you have a compelling story about minimalism, couple money, budgeting, or your journey to FI please send me a pitch. I would love to consider it.

Trashing It

Is it strange that this section is so small? We really aren’t trashing too much this year and I think that is a good thing. It makes me feel like we really focused on changes that mattered in 2019.

The podcast

If you didn’t hear, we aren’t continuing the podcast at this time. It’s too much with HisFI’s work schedule. You can read all about the decision here.

I would like to start a new podcast, but I also need a new co-host. This is one of my many ideas for 2020, but I am not going to force anything yet. Just letting it brew for a bit.

Student loans

Yup! I am trashing my student loans in 2020. We have already been working to pay them off this year. We thought it would take about 5 more years to get them all paid off. But, between selling a home and HisFI’s hefty work severance we should be able to knock out almost all of my student loans in 2020.

So far it is looking like we will pay off $53,000 in the first few months of 2020. Then we will have a little less than $20,000 of low-interest rate student loans to pay off after that. Those we will take more time with, and prioritize retirement funding since they are all 3.5% or less.

Those Who Inspired Us This Year

Books

Making it Stick

Formation (Memoir)

The Secrets of Six-Figure Women

Work Optional

Dear Debt

Big Magic

Blogs

Her Designed Life

Tread Lightly, Retire Early

Rich and Regular

Purple Life

Money Smart Latinas

Luxe Strategist

The Fioneers

Podcasts

The Fairer Cents

The Dollop

Events

Cents Positive

Lola Retreat

FinCon

YouTube Channels

Wild We Roam

Matt De’Avella

The Financial Diet

Thank you all for following us into the new year! I am really excited to see what it brings and share those adventures with you.

2 comments

Kate January 16, 2020 - 1:33 pm

I love this list of highlights! In particular I love to see you went to France and Spain, and quit teaching to freelance! I’m a former French teacher and also left teaching to be a full-time freelance writer. What subject/age did you teach, by the way? Congratulations on all of your other celebrations in 2019, and here’s to an amazing 2020!

Reply
Bethany January 18, 2020 - 7:44 am

Hi Kate! I try to leave the country every year. 🙂 Travel is so essential to filling my cup.
I taught 12th grade English which included mythology, creative writing, and film studies. I also taught drawing, graphic design, and photography (both analog and digital). I hope freelance work is going well for you! I love seeing people find second (or third) careers.

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