Christmas Card Life Hack

The perfect card, just the right sentiment to write, stuffing, filling out addresses, going to the post office for stamps and getting them in the mailbox to travel to their destination before December 25th!  Does this, or some rendition of this, sound familiar?  Many even try to cut down their lists, only to have to run out to buy more cards to send because you received one from someone who got cut from your list and you feel guilty!

What if  you could custom design a photo or regular Christmas or holiday card, have it stamped and shipped to an unlimited number of people the next day in about 10 minutes?  This is how I do my Christmas cards every year!  How is that possible you ask? (skeptically shaking your head yet continuing to read with an increased level of scrutiny) is actually a direct marketing company, but has a very  user-friendly interface for just the regular Joe or Joette, like me, to use their services as a tool to simplify our lives!  I started using this service YEARS ago, when it was, to send out change of address announcements, birthday party invitations, party invitations and, of course, Christmas cards!  I have also used it for business to send cards to co-workers and clients!

An added benefit is you can pre-schedule cards you want sent on future dates!  I actually pre-scheduled an entire year of birthday and anniversary cards one year while on Christmas break for all my friends and family and didn’t have to worry about missing a date!

Now, there is a caveat!  You do have to spend some time entering your contact names and addresses into their online system.  Good news!  If you are already uber organized and have them in an Excel file, you can just upload it!  If not, trust me, it is worth taking the time to type them in once, to be able to use this service!  They have a toll-free number and a chat feature in case you need help getting started!

Here is an example of my Christmas card from this year (5.5×8.5 postcard-real address removed of course)!

Now your question is…. yeah but do I have to pay my arm AND my leg for this “Amazing” service? (said with full finger quotes of course!)

Not if you take advantage of a sale!   Black Friday this year through November 29 they ran promo code “Cyber17” for a 50% discount!  ($200 max savings and a 25 card minimum purchase)  So I paid $65.50 for 100 credits for 5.5×8.5 custom photo cards to be printed, addressed AND mailed to all of my family and friends, the next day!  That is $0.65/card!  Postcard stamps ALONE are $0.34 each!  That’s basically getting the card AND labor to address and mail your cards for $0.31 each!  How can you beat that!  Right now they are running a 40% off promo code (Prancer17), which is still a great deal ($100 max savings and 25 card minimum)! You also get more discounts depending on the volume of credits you buy, and you don’t have to use all the credits today, you can use them throughout the year!

Even if you just buy 1 folded 5.5×8.5 card in an envelope to send to someone for their birthday, it is only $1.70, regular price with no promo codes!  Considering a friend of mine just paid $7 for a “Name Brand” card on a recent shopping trip we were on, this is a steal!

Haven’t sold you on yet?  Here is the front of a postcard I made for my parents’ going away party when they moved!

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And here is the front of a postcard I made for my son’s 12th birthday party at a local pool!

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Here is a folded card in an envelope I sent to a co-worker who took a new position! (and you can add images on every single page if you want!)

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I hope that this life hack that I have shared with family and friends is helpful to you as well!  The saddest thing I see is overwhelmed people who just don’t do Christmas or holiday cards because they are “too busy”.  So many of us trudge to our post office box or mailboxes every day, only to find stacks of bills and advertisements.  How special is it this time of year to reach in and see a smiling face or red envelope waiting for you!  Taking time to create a special card to share with your friends and family during the holiday season is a wonderful tradition that I hope everyone continues for many years to come!

I’m maxing out my 401k, what’s next?

**I am not a financial expert!  These are things I have researched and done on my own.  Please do your own thorough research to decide if these ideas could benefit you prior to making any financial decisions!**

By now most of those working full-time with FIRE in their belly have surpassed the basics and are looking for other ideas to save pre-tax and post-tax money!  If you are reading this and you are still heavy with debt and don’t have your emergency fund built (3-6months of expenses at least!), stop here and redirect to!!


Are you still with me?  Congratulations!  You have paid off your debt (unless you have intentional, low-interest debt for something like a rental property of course!), you are maxing out your 401k and you are looking for other ways to save money to become financially independent and retire early (FIRE)!

Here are some things you may have access to that you can take advantage of now to better prepare for your future!  This list is not exhaustive by any means, and I welcome any comments with additional ideas!

Health Savings Account (HSA)

A Health Savings Account (HSA) is offered by many companies now in conjunction with a high-deductible, lower premium health insurance plan offering.  The way this works is that your company will contribute a set amount to the account and you can also contribute PRE-TAX money!  Total employer+employee 2017 contribution limits are $3400 for an individual and $6750 for a family.  There is also an additional $1000 catch-up contribution allowance for those who are 55+.  This  money grows in an account and most plans have an option to actively invest a portion once you hit a certain balance.  Now, this may not be for everyone!  You will have a higher deductible ($1300-$2600+), but you can pay for the medical care or prescriptions with your HSA account (via direct pay to the provider from the website or with the debit card they provide you) until you hit your deductible.  For 2017 the plans limited maximum out of pocket for a single person to $6550 and for a family $13,100 a year.  The beauty of this is that this account stays with you forever!  If you don’t use it, you don’t loose it!  It just keeps building in value!  So if you and your family are in pretty good health and don’t have many doctor visits or prescriptions, it is a great way to stash away  more PRE-TAX money and reduce your taxable income!

Flexible Spending Account (FSA)

Switching gears, the Flexible Spending Account, or FSA, is the “use it or lose it” account.  During your annual enrollment, you will have to open an FSA and commit a certain amount of funds to it for the year.  At the end of the year, if you didn’t have enough eligible expenses, you lose the remaining balance.  So you MUST be very organized when planning to use these accounts!  The way these usually work is that you spend the money and then file paperwork for reimbursement from your FSA account.  There are several types of accounts:

Health FSA– Max annual contribution in 2017 was $2600 and it is for healthcare-related expenses.  So if you know that you are going to have a large procedure that will leave you with a substantial co-pay that you will be responsible for, this may be a good option! One example is if you are on an 80/20 plan where the company pays 80% and you pay 20% and you are planning on having a baby….More than likely, your 20% will exceed $2600, thus you can get reimbursed the $2600 from your FSA account!  There is also a $.17/mile reimbursable allowance for travel to obtain medical care, so keep that in mind too!  Now, if you don’t have any big, planned medical expenses, this may not be a risk you are willing to take!

Dependent Care FSA– Max annual contribution in 2017 was $5000 and is for dependent care costs only.  I used this when my son was young and I was paying out the nose for daycare!  This would be something to look into if you have a child under age 13 that you have daycare, before/after school care, preschool, summer camp, babysitting or nanny expenses.  This can also be used if you have a spouse or relative who lives with you who is mentally or physically unable to take care of themselves.  This was a great way for me to reduce my income by $5000 for money I was going to spend for sure!

Individual Retirement Account (IRA)

Individual Retirement Accounts or IRAs, can be a great way to save on taxes and build wealth for retirement, however there are contribution and income limits!  There are two types of IRAs, Traditional and Roth.  Here are some details to better understand each!

Traditional IRA- If you are single and make over $133,000, congratulations, you are rocking it, but you won’t be able to get the tax benefits from a Traditional IRA.  Single people making over $118,000 can contribute some, but not as much as people making under that amount.  So the biggest benefit is for those making under $118,000 because they can contribute $5500/year to a Traditional IRA, and it is fully tax deductible, reducing your income while investing in your future!  If you are over 50, you can contribute $6500/year to catch up!  These are easy to open and fund!

Roth IRA– This IRA is a little different from the Traditional IRA, in that you contribute POST-TAX dollars to this account and can NOT deduct the contributions from your taxes. The same contribution and income limits apply to a Roth IRA as do to a Traditional IRA. So why would you contribute to a Roth IRA if it doesn’t reduce your income?  For one, if you are early in your career and still at a low tax rate, now is a good time to contribute to a Roth IRA because when you withdraw later in life you will be taxed at that income tax rate, which may be higher!  Also, because you are putting POST-TAX money in, the money grows TAX-FREE in the account!  When you retire, the contributions AND the earnings can be withdrawn TAX-FREE!  This helps you diversify your portfolio and have a tax-free stream of income in retirement!  Another benefit is that if  you have a financial emergency occur, your contributions can be taken out at any time, penalty free!  (The earnings can’t be accessed tax-free until after age 59 1/2)  You can also use the ENTIRE amount (contributions+earnings) to pay for college tuition, books and expenses at accredited schools!  If you are buying your first home, you can pull up to $10,000 out of your Roth IRA to help pay for it without paying taxes (another $10,000 if your spouse has a Roth IRA too!).  Or if you have a child that needs help with their downpayment on THEIR first house, you can give them $10,000 from your Roth IRA penalty free!  ***NOTE- your Roth IRA must be open for 5 years to take advantage of some of these programs!  There are additional benefits you can check out, including those for military personnel!

Back Door Roth IRA– What if I make too much money to contribute to a Roth IRA?  Sounds like a nice vessel to still put money in to have for retirement flexibility!  Good news!  There is something called a Back Door Roth IRA.  How this works, is that you open a Traditional IRA account and contribute $5500/year POST-TAX (you don’t qualify for pre-tax) and then within just a few days, you call the company and ask them to convert that money to a Roth IRA.  It is important to convert it as soon as possible, because if the balance earns too much interest in the Traditional IRA, you will have to pay taxes on the earnings when you convert it!   If you already have a Traditional IRA with a pre-tax money balance sitting in it, this may not be a good option for you!  If you convert that Traditional IRA money to a Roth IRA, you will be responsible for paying the income taxes on that money!  Remember, you took the tax write-off on that Traditional IRA money to make it essentially PRE-TAX money!

College Savings Plan

As one of the financial guru’s I have the utmost respect for, Bob Brinker, states, are you taking care of the “Young Sprouts”?  Do you have a college savings plan established for your child?  I know some people within the FIRE circle don’t utilize these plans because they want more flexibility with their money, but I have a 529 savings plan for my son and am glad I do!  I established it many years ago and have been slowly dollar-cost-averaging money into the plan every month where it is invested in an age-based mutual fund with a .12 expense ratio.  This money can be used in all 50 states at accredited colleges, including 4-year schools, community colleges, trade schools and study abroad programs.  The best part is that it grows tax-free with no contribution or income limits!  If your child doesn’t go to college, you can let it sit and grow and change the beneficiary to your grandchild!  Or you can take a non-qualified withdrawal, but you will have to pay income taxes on the earned money (not the contributions) and a 10% penalty.  If your child gets a scholarship, you can take the amount of the scholarship out as a non-qualified withdrawal and not pay the 10% penalty! (You do still have to pay income taxes on the earnings!)  How does it affect financial aid?  If the 529 is parent or student-owned, it doesn’t count against you on the FAFSA, but if a grandparent pays for a student from a 529, it will count as income for the student and may affect student aid the following year!  Do your homework, but this may be a good option for some!

Brokerage Account

What if you have put money everywhere else you can to take advantage of PRE-TAX benefits and you still have money you want to use wisely?  A brokerage account would be a thing to think about!  I opened a brokerage account with Vanguard and invest in their Total Stock Market Index Fund  (VTSMX) with extra money that I have saved!  There are other companies that offer similar funds, just make sure that they have as low an expense ratio! This is the key!  You can pay someone to actively invest and manage your money, but that small percent (1-2% fee) you pay now, adds up to hundreds of thousands of dollars 30-40 years from now!  Remember, these brokerage accounts are funded with POST-TAX money, so the earnings are fully taxable when you sell your shares!

As I said before, this list is by no means exhaustive, but I hope this has helped give you ideas of other places you can find tax-advantages as well as vessels to help build your wealth so that you are able to become financially independent and retire early!  Best wishes!!!

How can we make sure our kids start on the right path?

In March, I struck out on my own for a road trip across the Midwest ending up in Texas.  This was a first for me, as I had never taken a vacation by myself.  It really gave me some time to think and reflect on life and what is important, and it is this self-reflection that fueled the FIRE.  While on this quest, I stayed at a lovely bed and breakfast in Wimberley, Texas that had walking trails winding throughout the property.  Along the trails were numerous cairns, or rock piles.  While their main purpose was to mark the path, physically, I couldn’t help but also see the symbolism.  With each step along the journey you were brought closer to the next cairn (or goal) and based on the number of rocks, others had travelled the same path and reached their goal as well.


I see this as a metaphor for FIRE (Financially Independent, Retiring Early).  It is a journey with many steps (and choices), but with every milestone (no pun intended), you join the others who walked those steps, reached that goal and placed their rock upon the pile.

But what about our kids?  What path will they start out on?  How do we teach our children not to make the mistakes we did, but to take the path we have all found that, in today’s world, is literally the path less taken?  On Friday my 13 year-old, 8th grade son started asking me questions about stocks.  I questioned why he was asking (because I have tried to educate him on fiscal responsibility and investing, and alas a 13 year old boy has no interest in having these discussions with his Mom).  He shared that his social studies class is doing a project where they each were allowed to “buy” 3 stocks with “$10,000” and at the end of the year they will see who does the best.

Now of course this is where I immediately started asking if there was an option for index fund investing or even if he could do an index fund ETF, and he just stared blankly at me.  I attempted to explain, but he just glazed over, so I asked what stocks he picked.  Caterpillar (his Dad works as an engineer there, as do many of the parents in our school district, so my guess is there was quite a bit of this purchased), PepsiCo (because they own Mountain Dew right Mom?) and Nike (because he couldn’t think of anyone else).  Yikes!

What if we taught all children more around the basics of money and investing?  How can we get their attention at an early age so that they understand that moves they make when they are young can make a HUGE impact on their future?  Now 13 may be too young to really make an impact, but more focus in high school and college is absolutely crucial!

I remember when I graduated from college and started my first job (it did happen to be at Caterpillar) and the first week of orientation, someone from the benefits department came and showed us an investment schedule comparison of someone our age who maxed out their 401k for the first 6 years, then stopped investing and just let compound interest take over vs someone who didn’t invest anything for the first 6 years and then at year 7 maxed out their 401k every year until retirement.  At the end of their careers, the first person had more in their retirement fund!  Do you think I did that?  NOPE!  I didn’t have the solid foundation to really grasp the implications of my decision when I was that young, and it was the first time I had ever heard anything like that!  So… alas…. I was not as aggressive as I should have been!

We all have paths we have gone down in life, traveling form cairn to cairn, and often times the segments between each milestone are long and winding.  How do we teach our kids to bypass the meandering way to financial independence and embrace the straight shot, that may seem more difficult going straight uphill, but will allow them to avoid our mistakes?  I have chosen to constantly educate my son, whether he is listening or not!  Eventually some of it may soak in!  This exercise at school will present a very nice learning lesson for him as I am sure my balanced portfolio in low-cost mutual funds will do better than his stock picks over the year (or at least I hope it does or my message may be lost as he may have trouble grasping a discussion on 10-20 year return rates!)

Cairn to cairn, let’s all keep putting one step in front of the other, including pulling our children onto the path behind us,  until that final rock is placed atop the pile of FIRE!


Change your mindset, change your life!


At age 39 I made some radical life changes…. or so I thought!  I was living in lovely home in a high-end neighborhood and was miserable!  While some of the neighbors were friendly, most kept to themselves, pulled their luxury cars into their three car garages and directly shut the doors to avoid contact with others. They watched out the window in hopes that the new Lexus driving through the neighborhood was interested in buying the house down the block that was for sale, but already considering if they would then need to upgrade their own SUV to a newer model!

I put that house on the market, sold it taking a major loss, and downsized to a smaller home in a small town about an hour away.  I am a single mom of, at the time, a boy getting ready to start 7th grade.  Was this a move that would totally screw him up?  Its that fear all us parents have when we make major life changes that impact our children!

Turns out, it was the best move we could have made!  Not only did our mortgage and tax burden reduce by over HALF, we have found our small community to offer so much more to improve our quality of life!

First, the neighbors are great!  Friendly and down to earth always helping one another out when needed.  My son LOVES our new home (a 1945 bungalow) and his new friends and school.  And we live two blocks from an amazing library and bike trail!  My son is thriving in our new life!  We are cooking at home WAY more, reserving eating out for special occasions (and throwing in a $6 Little Caesar’s pizza and Netflix movie night once a week for good measure!)  This is SO much better for our budget, our waistlines and our relationship!

Back to this being “radical”…. well since I made the move, I have discovered many others who have driven their costs of living down and savings rate up and either have retired WAY younger than me or are on track to do so!  So its not really THAT radical, depending on what circle you run in!  What an exciting group to find!  Mr. Money Mustache, The Frugalwoods, the Mad Fientist, etc.!  I am SO behind the eight ball!

But honestly, 5 years ago I would have listened to these podcasts and read these blogs and thought they were crazy!  It really did take a total mindset shift to be ready to truly absorb all the great information they share!  I had to get past caring what people thought about me based on the house I live in or the car I drive (who wants to be friends with people like that anyway!)  I never really felt like I was in a “competition” to have the biggest and best, I just kind of got swept up with the tide, and the tide kept rising!

I finally just realized that trying to keep my head above the water was not making me happy!  I needed to get back to what was important in life, spending time with my son and our dog, enjoying the little things in life and getting out of current that was sweeping my happiness away!  Fortunately, I had been maxing out my 401(k) and my company has a very generous match, so when I finally came to my senses and just swam to shore, I had a pretty good base to start from!

By downsizing and cutting other costs out (yes I cut the cord on cable!) and budgeting (shout out to Dave Ramsey’s EveryDollar app for budgeting!), I have been able to increase my savings rate to over 60% and make double mortgage payments to have my house paid off in 10 years.  In running the numbers, I learned that I will officially be financially independent by age 46, but my goal is to work until after my son graduates from college when I am 50.  Now, I do love my company and my career, so I may not actually retire then, but it sure is nice to be in control of my own destiny!