Return to Normal? Not Exactly

Back when we first started thinking about early retirement, or later on, our Fully Funded Lifestyle Change, we had ideas about what that life would look like in ALL the ways. We expected it would be a happy little family, with ALL the time to hang out together, we would/could have some income from this blog (lol, riiiight), we would/could have income from some yet to be determined adjunct positions, and or find some other income sources that would be fun, since we wouldn’t need the money. If all else fails, we could always “go back to work”. If not in oil and gas, then in teaching perhaps, or who knows, but we’ll let the “future SSC’s” figure that one out, if needed.

Well, the reality was a lot different. In less than 2 years after we initiated our FFLC, we were divorced and all of that planning went out the window. Well, not all of it. I’m positioned really well to be able to follow whatever type of work comes my way, I did get an adjunct position, and I’m working on developing several income streams in the background. Before you ask, No, none of those income streams are from public speaking engagements, or my book “How to Retire Like Me”, lol. With all of that in mind, my Mostly Funded Lifestyle Change (MFLC) has been interesting to say the least. One thing has been pretty certain throughout, is that planning on a return to your former industry is shaky at best.

In my case, I wasn’t ever really planning on getting back into oil and gas full-time. Sure, the money is uh-may-zing, and it’s enjoyable enough work, but it’s not that fulfilling from a personal standpoint. I also never planned/counted on being able to return to my previous salary level, bwahaha, I wish. That bridge crumbled almost immediately after leaving the industry. For perspective, when I left, there had already been a big wave of layoffs from 2014-15 crash and while a lot of those people left the industry for good, many are still out there scrapping for any job openings. I knew the job market would be tight if I ever did want to gain re-entry.

Also, with Covid and the general unpredictable nature of oil markets, the possibility of re-entry is all but gone. Most smaller companies are doing well just to NOT file for bankruptcy, unlike some larger companies that already have or are planning to file, like Whiting, or Chesapeake, as per their announcement this week. My former company is hanging on tooth and nail to not fold or be bought up, after a horribly poor timed and poorly executed acquisition of Anadarko. Remember how people talk about not letting emotions come into play when home shopping, car shopping, or shopping for any other major purchase? The CEO should’ve taken that advice, because the financial structure of that acquisition is the definition of overpaying, just to win the bid. Yay, you won… Long story, but definitely, nothing opening up there anytime soon.

With the kids being here in Oklahoma, I knew I’d be restricted to a smaller market, smaller companies, and less opportunity, even if I did try to jump back in to that industry. Fortunately, I don’t have a lifestyle that needs that outrageous salary, and all the trappings that come with it. What’s my plan moving forward? Well, here are a few of them that I’ve been working on, none of which involve returning to my old industry.

Adjunct Teaching

Yep, I am still teaching about petroleum geology, so that’s sort of kind of on the fringe of that industry, I’m employed/contracted through the school, so not necessarily. At $6k/semester, it’s not even AdjunctFI, lol. That’s been nice, and I’ve applied to some other positions, probably along with the other thousands of unemployed geologists now that the latest wave of layoffs is underway. I have heard nothing yet on any position related to using my degree, and that’s fine with me. I feel okay submitting lots of applications, even knowing that none will probably pan out to anything income producing. It helps me feel better, and that’s how I like to keep personal finance, “personal”. I haven’t seen my contract for the fall yet, and it may fall through, but I at least gave my preference for teaching delivery method (all online, meet at a certain time online, or Saturday teaching… booo Saturday) and am reformatting the course appropriately.

Department of Human Services (DHS)

I have an interview with DHS of Central Oklahoma this Thursday, to be a Child Welfare Specialist, i.e. a case worker. Do I have any background in this field? Meh… Not really. I’ve been a Court Appointed Special Advocate (CASA) for the last year and a half so I’ve been privy to the inner workings of all of this, more than when I worked oil and gas. But, I also have a BS, an MS, a heartbeat, and a willingness to do the job, so we’ll see how that plays out.

Why work at DHS? Well, CASA won’t be hiring this year, much to my dismay… So, I stepped over to the next best option and applied at DHS. No clue how it will turnout, but you can be sure I’ll be tweeting or writing about it as it does. For me, I’m in a unique position to be able to do a job I want, and not necessarily the first job that says they’ll hire me. That’s awesome, and a great opportunity for me to be able step into the social work space. I’m really excited about it!

Child Advocacy Center

Another income stream I’ve been putting energy towards these days is working on starting a non-profit that would be a place for supervised visits for kids in/out of the foster care system, or just divorced parents that need supervision with their visits. This would also be expanded over time to include more services, but the main service would be providing a comfortable, relaxed space that families can spend having quality family time, and not just visiting at a McDonalds, for instance, or a park, or someplace that might be harder to relax and connect with their kid. Who wouldn’t want to be able to just cuddle and watch a movie, or a tv show, or do arts and crafts, or play out back, or bake in the kitchen? IDK, but that seems like a way better more relaxed atmosphere that feels less like “visiting” and more like bonding time.

I lost my business partner for that plan. I haven’t lost her, but I’ve lost any access to capital from her currently, due to erm, life? It seems no one’s plans are working out as well as they thought, lol. I’m currently stuck at the board of directors stage, writing the charter, and all the paperwork accoutrements that come along with starting a non-profit. Also, I haven’t previously had access to cash, to buy “the perfect property” yet, but that is not the case right now. Woohoo!! Now I’m ready to pull the trigger, which leads me to the next topic.

What the hell is going on with real estate markets?! It’s as hot now as it ever was, at least around here. House pricing hasn’t come down, at all. Houses are on the market for 3-12 days before they go to pending and they usually sell for close to their asking price. It’s crazy. Until I find the right property, I’m still just dealing with paperwork and that aspect. When I DO find a property, I can always rent it back to myself, from the non-profit, or if that business doesn’t work out, move into it or put it up for sale and recoup some money from that venture. A bonus would be having more space to put my woodworking equipment and use the property for that as well. Also, another potential rent-back opportunity for garage space. Until that pans out, I’m still reaching out for other board members, as that is my limiting factor at the moment.

Medical Marijuana

I’m stepping into the MM space. It seems tight, and a bit overloaded here, especially with the number of dispensaries and the like, around Norman alone. Statewide, as of last week, we had 137 pages of registered dispensaries, and at 17 listings per page, that’s over 2300 dispensaries. I’d rather deal with plants than people, tbh, and so I’ve been emailing about commercial rental spaces I can use for that operation. I’ve been learning all about Triple Net Leases, buildout for indoor grow ops, and THC extraction methods from flower and that has been an enlightening experience. I’ve been trying to keep that rental as close to home as possible, so my commute to “work” wouldn’t be a hassle, AND I could visit it at odd hours, if I get a “real job”. So far, 3 rejections, with offers WAY more space and overhead than I currently need. I’m not wanting to tie down the first year of operations with massive overhead while it’s a fledgling business. I haven’t signed anything yet, but hopefully very, very soon.

I have a business partner for the manufacturing side, and some potential people to tap for the grow side, but first, I need a space. I’ve all but given up on finding some land east of town that could work for this operation. This is due to the last property I looked at, being the residence of a “crazy old coot”. I mean, wow. Just wow… So, until something out there comes along, I’m into the rental space now.

The main plusses for this income stream, in my opinion, is that at the very least, I could have some cash influx about 3 months after getting my certificates. Because we’ll be sourcing our own product for manufacturing, that greatly increases the profitability margin. Amazingly, the licenses, packaging, and certificates to grow, sell, and make MM products, is WAY, WAY, WAY cheaper and less regulated than starting a nano-brewery. Freaking crazy, in my opinion, but hey, the gov’t does, what the gov’t does… Also, why not learn something new?

What Now?

I don’t know what’s coming next, to be honest. I may get the DHS job, I may not. I may find a house for the advocacy center and go full steam with that and definitely try my hand at the MM space in the meantime. I also started an Etsy shop, Could Have Been a Book where I’m successfully paying for picture listings, lol. Thanks to the support of a lot of you in the Twitter space, I have been getting items sold, and more pics added to the shop. Thank-you to everyone that has been helpful in supporting me in that way. My main goal is to have a nice inventory and supply built up prior to the holiday rush and get a local Facebook page for people within driving distance that don’t want to pay for shipping on the bigger carvings and products. Is that going to solve my money woes? Nope, not at all, lol. However, if it helps stop the leaks, then that’s awesome, and it keeps me focused working on hobbies and away from the computer because holy cow, my activity level has been SO low lately. Even with a “supposed” triathlon in Boulder this fall. Fingers crossed, but I know I won’t setting any PR’s on that course. It will be a great time to catch up with my college buddy, play even more music, and spend some time in CO, even if it’s just Broomfield…

Summary

That’s about it. The most recent catch up on all things, Jay. Not much has changed since last time though. I feel like I need to pivot this whole blog, whatever the hell it is now, out of the PF space and into, I have no clue where it would go.

I don’t write about PF stuff anymore. I’ve been blogging almost 6 years, I left an industry, was unemployed for almost 1 solid yr, and adjunct only for almost 1.5 years now and I STILL haven’t written a book, made any positive net income from the blog, or have actively been trying to monetize this platform. Too much work, not enough “give a crap” from my side. Plus, what would my book be about, “How to retire like me!”, I see way too many of those as it is, and don’t have anything new to add to waves arms around that whole space. Who knows, but you can be sure you’ll read about it here, or somewhere, when that pivot happens. Until then, stay safe, be kind, and if you need any support, join our PF Group over at discord.

By Mr SSC
Posted on June 17, 2020
1 Comment on Return to Normal? Not Exactly

Energy Efficiency: It’s a Money Problem

When we bought our current money pit, erm, house, we expected to get pretty good energy efficiency due to it being a concrete and Styrofoam construction method, think adobe style with 1’ thick walls. Yes, 1 foot thick (0.3 m) walls that provide extra wind resistance to over 300 mph (allegedly), better fire ratings, and definitely better insulation properties than a traditional built home. When we replaced our furnace and AC unit last year, we opted for a more efficient system because it costs less to operate, uses less resources to run, and we thought it would go well with the rest of the energy efficiency aspects of the house. What we didn’t realize is that the home was built with the concrete walls because the previous owner was terrified of tornadoes… Um, maybe move out of tornado alley? IDK… Just a thought.

If this was my worst fear, I wouldn’t have moved to “NO-klahoma” image credit: Mike Hollingshead

Beyond that fear, they didn’t care at all about energy efficiency. We’ve been making some efficiency improvements around here and even during these past 2 cold spells, our downstairs has stayed above 62 F WITHOUT the heat coming on all day! This was during a 3 day cold snap with temps around the 30’s F and the latest cold spell with temps of 26 F and 30 mph constant winds with 50 mph gusts. The inside temp finally got down to 62 F by 5pm, but again, this is without the heat coming on ALL DAY! How did we pull this off? By throwing money at it of course!

We Bought A Money Pit!

One year ago we bought a money pit, I mean a house in Oklahoma. We were so excited because we were starting our Fully Funded Lifestyle Change, I was quitting my job, and we were moving to the country! Well, we got the country alright. I sit outside and watch the birds at the bird feeder and in the trees around the backyard. I watch a pair of does come wandering thru the yard in the morning and evenings. They’re around so much the dogs have stopped barking and the doe wanders to the fence to check the dogs out. It’s hilarious! They’ve both figured out that even though their base instincts say “enemy!” they both know the fence keeps them safe. I caught a pygmy rattlesnake, and scared up a 5’ ratsnake that lives in a woodpile on the back corner of the property that I haven’t cleared yet. We have a hawk that likes to fly thru our yard in the afternoons and I saw it actually grab a mouse/vole idk, off the ground one day! It was awesome!

But none of that has cost us any money except for birdfood. It’s the “aaahhhhh” benefit of living out here. So what were we expecting with this house? It’s 16 years old, it had a 2 and 4 yr old AC and furnace respectively, 3 yr old roof that seemed to be in good enough shape. The home inspection report (what a scam industry) was pretty clean and didn’t note anything of significance. We had a home warranty for a year to cover anything major. How did we still manage to spend over $50,000 in the past year? With all of the following fixes and updates.

2018: The Year of the Lifestyle Change

What a year 2018 was for the SSC household. There was a LOT going on with the kids, the dogs, our house, and most importantly both of our jobs. At the beginning of the year we were designing a house to be built on our property at Canyon Lake and expecting to be in Houston for another 2 years. By the end of the year I wasn’t working and we were celebrating Christmas in our “new” house in Oklahoma. Wow! Just wow… Even for us, things seemed to come so unexpectedly the only thing that we knew to count on was that our plans would constantly be changing. Ultimately, it was the year we kicked off our dream of the Fully Funded Lifestyle Change (FFLC)!! There was a lot more detail than just that, so let’s get into the 2018 recap.

Moving Time

Early in 2018, Mrs. SSC landed a really sweet gig working at a well-respected University with a strong and established petroleum program. This forced us to move to Oklahoma and it wasn’t even on our radar for places to live. We found a great place out in the country with 2 untamed acres. On the plus side, we could shape it to be as wild or as manicured as we want because literally nothing had been done to the woods except let them grow wild.

The downside is that there is a TON of downed timber across that 2 acres, a lot of underbrush, and it isn’t anywhere I’d want the kids or myself wandering through in the summertime. I’ve been putting a big dent in clearing that brush, and I’ve cut down about 20+ trees already. I have marked so many more trees with flagging tape that I ran out of 200’ of tape. Yipe!

Selling Property Sucks

Our Houston house went on the market in mid-March and we figured it would be slow until summertime, but expected to be able to sell it over the summer. It went 90 days without a showing, in part I believe to the “okay but not great” photos that were taken. Pro-tip – interview multiple realtors prior to picking one. Ours was Mrs. SSC’s trainer and was convenient, but I feel like we could’ve found a better realtor and saved ourselves a LOT of $$ and anxiety. Mid-summer we got an offer and man were those buyers nit-picky. They argued over every single dime wanting us to put up more and more money. After a month of negotiations on post-inspection fixes, we found out these jack-wads weren’t even approved for a loan! How does that happen!? Well, they barely squeaked by for a pre-approval with a high 500’s credit score. Fast-forward 5 months and who has been missing car payments and racking up MORE debt? Those guys. Needless to say, their credit score had dropped to low 500’s and they couldn’t get approved for the loan. Thanks for keeping our house off the market the last month and a half of summer and being jackasses about EVERY single item… Ugh…

Buyer #2

The next buyers wanted our property, but didn’t want to make an offer until their house sold. However, they wanted us to take it off the market and hold it for them. Can you hear me laughing? That was rejected, and the house stayed on the market. Another buyer put in an offer and had the inspection done, then pulled their offer 3 days later. Their main concern was having to replace the water pipes due to the amount of rust coming out of them. We were puzzled and then remembered we’d replaced the main shutoff and the plumber told us to run the water to flush any rust/sediment/etc… that had gotten knocked loose and that it may look dirty until it gets flushed. We asked our realtor to do that and he had done it, according to him. Those pictures of the bathtub with rusty looking water said otherwise… Ugh…

Third Time’s a Charm

FINALLY, we got another interested couple, they made an offer, were easy to negotiate a price with, and we were under contract. We waited for the inspection and heard nothing. Literally nothing. We contacted our realtor and he said that they’d gotten the inspection and didn’t have any follow-up requests for us to fix. Yay!! While we technically closed in 2019, we did finally close on that house and that 2018 contract went thru. Yippee!

Leaving My Job

Me leaving work was a little tricky due to the fact that I had to prep the house for sale, keep it under wraps, AND spend time driving up to Oklahoma for house hunting, home inspection, and closing. It was easy enough to tell work that I’m “taking time off” but everyone was convinced I was interviewing at other companies. That was just fine with me, because what do I care what they think? I’m leaving in 3 months.

One Friday, I was at my desk and get a call from my boss to come to our bosses office. I get nervous and then think, wait, why am I nervous? I didn’t do anything wrong. Then I got excited thinking I might be getting laid off and could get a severance package. Buoyed by that prospect I went in, sat down and was told I was being promoted to my bosses position but for our Texas-Delaware Assets. Hooray… Ultimately, I declined that offer, and you can read more about it here. Since my upper managers now knew I was leaving in August, I wasn’t getting any more additional work or put on other special teams. Double yay!!

When the time got nearer for me to leave my boss proposed a 3 month remote work assignment to help with reserves. It got approved and ultimately we had 3 more months of pay, health insurance, and a little extra $$ we hadn’t counted on to help with the “new” house projects. It turned out to be a mixed bag that you can read more details about here, but ultimately it worked out well for everyone.

Money Pit

The new house is the last big topic of 2018. When we moved in we knew it needed some cleaning and maintenance as it looked like it hadn’t been maintained in the 16 years it has been around. We got the ducts cleaned, I vacuumed the walls, and I dusted and cleaned every other surface and Mrs. SSC was still having troubles with allergies and breathing. The previous owners had a cat, so I suggested that we replace the carpet sooner than later. We did that and her breathing got immediately better. Hooray!!

The house temp wouldn’t get cooler than 83/84 F on days when the outside temp was over 93. We had an AC inspection and it was working correctly and pumping out cool air, but that wasn’t the issue. The issue was that it was a 3 ton unit and this house needed a larger unit than that to be effective… I shopped around 4 different contractors and found a great deal on a higher efficiency unit than we previously had, and after it was installed problem solved.

I also noticed that the upstairs bonus room was a heat/cool sink for the house. Everywhere else appeared to have adequate depth blown-in insulation but the walls for this rom were only 4” thick. I wanted to get some more insulation and add it to them along with some other spots I’d noticed that had thin blown in insulation (4” or less). On Black Friday, Lowe’s had 30% off their insulation. Score!! I bought 24 batts (11 pieces in each batt) of R-30 insulation for ~$1k discounted, installed it myself, and have seen some great results. Plus, now I can keep the heat off in the bonus room. On the coldest nights it gets down to 58 but mostly stays between 60-64 without any heat on. Double Score!!

Summary

That’s the very long recap of our year. I’m sure I may have missed some things, but those were the biggest ones for us. So far, we’re loving the town, country living, the kids school, and our neighbors. While this state wasn’t even in the running for places to consider living in, we are really liking it. There’s more topography than we expected, especially in our home area. The people are super friendly and it feels like it has a great sense of community about it. I can’t wait to see what’s in store for 2019! Be on the lookout for a “new” home spending post. There’s way too much to put into this one, and it is ridiculous…

Hope your 2018 went as great for you as it did for us.

By Mr SSC
Posted on January 29, 2019
18 Comments on 2018: The Year of the Lifestyle Change

AC Replacement: Shopping Around Saves Money

This past week I have had 3 different Heating and Air Conditioning companies at the house explaining to me what is wrong with our AC system and what it would take to correct it or replace it. That’s right, only 6 weeks in and the whole AC/Furnace unit needs major servicing and/or replacement. Thank goodness for the home warranty! Oh wait, it isn’t broken. It was just installed improperly and is undersized for our house. This explains why it can’t keep the house cooler than 83 F when the temperature gets above 94 F outside and why the unit keeps running and running and running. However, since our system isn’t broken (it’s just undersized) according to the home warranty, we’re good!

What a pisser…

“Tanks” for the Memories: Justifying Large Expenditures

My Father-in-Law (Bob) celebrated his 70^th birthday earlier this year and since we see it as a milestone birthday, so we wanted to do something special for him. We thought about a lot of different things we could get him, but he has pretty much anything that he needs or wants. So then we thought about some experiences we could look into for him. He has had some back and neck issues the last few years, so even those adventures would be limited for what we could do. Then, Mrs. SSC came across a website that we thought would not only offer a great present but also an excellent place to make memories. (not an affiliate link by the way, I wish, lol)

It’s Tank time! German Leopard we drove and I rode on in the turret.

Bob has been a pretty big WWII history buff and has read a lot about that time period so we thought this could incorporate that passion of his as well. What did we stumble across that would fulfill this passion, while providing a great gift and awesome memories? Ox Ranch, a place where you can literally drive a tank on one of their designed tank courses. They have over 18,000 acres, most dedicated to exotic animal hunting, but a large part is also dedicated to tanks and machine guns, because, Texas. They also offer you the chance to shoot the tank if you want to spend that kind of coin, we didn’t. Plus, there are options to shoot almost any type of WWII machine gun if you choose. We offered if he was interested, but Bob didn’t take us up on any of those options, whew… We had an excellent time and even got an upgrade on the tank we got to experience due to a delay caused by the History Channel shooting on location that day. Woohoo for little wins!! Even though we try to be frugal in a lot of areas in our life, this was one thing that we could justify paying for a memory making experience.

Preparation Helps but Expect the Unexpected

For 5 months this year, I’ve been training for a single race, the Kemah Olympic Triathlon, and this past weekend I completed it! Woohoo! It was scheduled to be run in April, however, due to some poor planning and lack of knowledge of TX DOT’s paving schedule, it was rescheduled only 2 weeks before the event. Yes, 2 weeks before the race, they moved the date 6 months later. I had been training for it for about 2.5 months at that point, and I was pretty frustrated to say the least. I looked for a similar race nearby so my training wouldn’t go to waste and I was able to sign up for the Texasman Olympic Triathlon just north of Dallas. While I was able to complete both races, they both had unexpected issues pop up that I had to work around. It reminded me that whether you’re planning for a race, for FIRE (Financial Independence/Retire Early), FFLC (Fully Funded Lifestyle Change), or anything else solid preparation is good, but being able to deal with adversity is key!

We’re almost a year away from starting our FFLC journey and we feel pretty solid with all of our planning. Since we don’t know for sure how that planning aligns with reality, we are going to spend 2018 test driving our FFLC budget and see if we hit any unexpected bumps in the road, like I have in my races. Like race prep, training is essential to make sure you’re ready, but the mental aspect accounts for a lot as well.

By Mr SSC
Posted on October 17, 2017
32 Comments on Preparation Helps but Expect the Unexpected

Weddings and Finances – Perspective Changes Everything

This past weekend we attended my brother-in-law’s wedding at the Isle of Palms in South Carolina. All the planning had been done by “Jill” (now his wife) so that she could cut costs where necessary and still keep the wedding affordable. We got our flights booked early enough that they weren’t exorbitant. We also split a house with Mrs. SSC’s parents and Aunt to defray those costs. As a bonus, on the weekend of the wedding I found out that the father-in-law offered to cover the housing cost. That news was a nice surprise indeed! While I was expecting a nice, modest sort of ceremony, reception, etc… because of so much talk of “keeping the wedding affordable” man, was I surprised how this “affordable wedding” fit my version of a really nice wedding. It reminded me that you see the same differences in perspective of affordable and extravagant, whether you’re talking about planning a wedding or planning for retirement and financial independence.

Summer Look Back and More!

This summer has seemed to fly by. We spent the first part of it researching and meeting with different homebuilders for our Canyon Lake property. That was followed by a month long road trip for Mrs. SSC and the kids, and I got to catch up with them for the last half in Montana and Idaho. I even got to spend a day solo exploring Seattle on my way out there.

The blown glass museum was awesome, the pics don't do it justice. — The blown glass museum was awesome, the pics don’t do it justice.

I even met up with a reader who was kind enough to let me pay homage to one of my childhood idols, Bruce Lee. Thanks again for the ride, Max!

I watched SO many of his movies over and over as a kid

We didn’t escape the heat of Texas, but you can’t match the beauty of Glacier NP anywhere in Texas I’ve seen yet. Coeur D’Alene was beautiful too and we spent almost a week there as well.

So hot, even in Glacier Nat'l Park! — So hot, even in Glacier Nat’l Park!

Lake McDonald - Glacier Nat'l Park — Lake McDonald – Glacier Nat’l Park

We were home just a short time before heading out to San Destin to spend a week on the beach.

Awesome week of boogie boarding and excellent waves!

With one of the kids in school, our vacation is now timed with every other family with school aged children. Sigh… On the plus side, we were able to not have either kid in daycare/preschool over the summer and that saved a lot of coin. Woohoo! Our spending was good for most of the summer, even including the big road trip and beach vacation, but man was August spendy! We had a lot of big expenditures hit as we are starting to prep the house for sale in a few years. Why start this far out? Well, we want to enjoy some of those things as well and not just make improvements immediately before moving out.

By Mr SSC
Posted on September 18, 2017September 18, 2017
16 Comments on Summer Look Back and More!

May 2017: Our Money Went Where?!

May. The end of spring and kickoff of summer and what a month it has been. We had some bumps in the road with our spending, and there is room for improvement, but in general it wasn’t bad. We were able to close on our lot in Canyon Lake, so we now have an official place to kick off Phase 1 of our Lifestyle Change. We reviewed our budget situation and decided that we can make the house work if we build it sooner than later, so we met with a custom home builder and designer this month and are on track to start designing our house probably by the end of the week. We found a couple of plans that we like ~90% of the layout, and we have a powerpoint presentation (because who doesn’t use powerpoint for everything?) with notes and details for the other things relating to homebuilding beyond the layout. I think it will come together pretty easily as we seem to be on the same page for almost every design aspect we’ve come across so far. Getting back to our spending, here’s where our money went this past month.

By Mr SSC
Posted on June 5, 2017
26 Comments on May 2017: Our Money Went Where?!