How I Made $0 In 13 Months of Blogging

And you, too, can be just like me!

In all seriousness, that is my actual earning statement after officially blogging for 13 months (well, more like -$99 due to hosting and domain name). I’m writing this post for two reasons:

(1) It is insanely easy to glamorize the lives of your favorite bloggers, or to envy those that actually make a living at this; they make it look so easy. When you think, “Hey, I have ideas, I want to blog, too,” it’s disheartening to see what appears to be everyone else, except for you, succeed.

This is called survivorship bias. Lots of people fail or struggle, you just don’t see it. This post is me showing the world (okay, the optimistically nine people who regularly read this blog), that I have tried and failed at generating any kind of “side hustle” income from this blog. That I have spent easily over 100 hours of just writing for negative financial returns. We so rarely publicize and try to learn from failures.

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Fluffster says you can always just stay home and pet him instead

Free Events in and Around Boston

The weekend before last we went to the Boston Local Food Festival on the Greenway in Boston. While we used the opportunity as our one fancy “nom out” for the month (see this post for details on our monthly adventures), there were loads of free samples, a cooking competition, and demonstrations all for free. We even got free parking using Spot Hero**).

There are so many great, free activities in any city, and this post is a guide to what’s available in our own neck of the woods. However, most of the tips are valid across the country. This doesn’t cover the most touristy things you can do for free in Boston (freedom trail, etc), but Boston on Budget has a great article covering that base for your reference.

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Saving Money on Money (International Transfers)

This is not a sponsored post, but there are affiliate links to TransferWise, a company we enthusiastically support and reached out to.

I love technology. So much information at our fingertips, such almighty power compared to twenty years ago. So why is so much banking technology awful? At work I could spin up a network of VMs in minutes, so why does it take multiple days to make a transfer of funds from one bank in Massachusetts to another bank in Massachusetts? Why? Why does it need to be that way?

The worst culprit by far has been international transfers and exchanges. We have family outside of the US, and occasionally we like to send money overseas. Our first experience with transferring money was just painful. We searched around, trying to find the best combination of rate and fee for our use case.

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Diving With Octogenarians and Not Worrying (So Much) About Money

These past 6 weeks have been crazy busy. Three work trips and a 10 day vacation totaling $5883 (over five months rent!!).

The work trips were actually pretty great in their own rights. I was able to get in some sightseeing, meet up with family I haven’t seen since I was literally a baby, and grow friendships. I’ve always been fairly friendly with work colleagues, but now I’m building more honest-to-goodness friendships – the kind where we would actually keep in touch if I quit work tomorrow. It’s pretty awesome.

And that vacation? Best ever, hands down. Me and Fergus, my 80-year-old grandparents, and two of their “retired” friends spent 10 days in the Cayman Islands full of sting rays, sunscreen slathering, and scuba diving. Yes, scuba diving. Continue reading

Fluffster in a button down

Not Quitting?

It has officially been just over a month since my last post. Part of the reason has been working slightly longer hours and exercising more, both in a good way. I’m contributing more and feeling needed, and I’m feeling better in general because of basic taking care of myself.

The larger issue has been fully working out what is going on in my head – what it is I want out of life.

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Index Funds: What John Oliver Left Out

Last Week Tonight With John Oliver is just a glorious show. This Sunday’s show was no exception.

If retirement accounts and fund choices scare you, that video is a fantastic introduction to investing that touts the benefits of index funds and the dangers of non-fiduciary financial advisors.

The thing is, I was an index investing convert even before I joined the working world, and I was still completely confused when it came time to choose investments for my 401k. As Fluffster now holds a Bachelor of Financial Advising (you can too, just click that link ;), here is a hopefully-straightforward supplement.

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Be Lazy, Eat In: Frugal Kitchen Breakfast Edition

I am spoiled. Fergus is in charge of cooking, and for good reason: his food is delicious (plus he enjoys cooking). Some mornings I literally wake up to the offer of breakfast in bed.

Yet as I write this Fergus, is away on a business trip. And I can’t cook. And I hate cleaning the kitchen. What’s a frugally minded, culinarily-impaired engineer to do? Since we only go to restaurants rarely (and they have to be special, not just a convenience purchase), eating out is not an option. That would be weak.

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How to Gala on a Budget

Hey all!

Yesterday my guest post for the Millennial Money Man was published! Read about my trials and tribulations attending a gala. That’s right, a gala. On two days notice. Yeah…

If you would also be freaked out and have no idea what to wear, definitely check the article out. I cover basic dress code guidelines, and of course all the frugal options – including rich people secrets I learned while undercover as a respectable gala attendee!


$4/mo Smart Phone Plan

While there are quite a few things we’re willing to spend extra money on, cell phone service plans are most certainly not on that list.

We spend a whopping $4/mo per phone, which includes hours of talking, dozens of texts daily, and mobile data. Here’s how.

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Montreal and New Straw

We went on vacation to Montreal earlier this month! During a snowstorm! And it was fun!

We live in the Boston area, meaning we’re about a five hour drive away from Montreal. And yet, in our years living around Boston, we’ve never visited Canada. A foreign country, with a foreign language (in Quebec province), right there, close enough to take Fluffster along for the ride. Granted, most people there speak English, but I still got to order a croissant in French.

At this point you might be wondering why “straw” is in the title, much less “new straw.”

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