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One of main reasons we set up an opportunity fund was to be able to find opportunities to no longer work W-2 jobs for a paycheck. After 2 years of saving up enough to first buy a home, we now have enough to quit our jobs and sell everything we own to take off on a year long trip around the world. We’ve actually already done the first two things and we’re jetting off in just 17 days. Follow our travel account @thepassportcouple as we take off on this adventure!
📸: @beccaromerocreative

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This is weeks late, but we finally got our October Spending Report up on the blog! We had a wonderful month and didn't end up spending too much. Actually, we were UNDER budget, doesn't happen too often here.
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Take a look at the link in our bio!
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Have your reviewed October spending yet?

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Here’s one of our first pictures together, over a year after we started dating. We thought, with it it would be appropriate to tell you our story about how we get started on our personal finance journey.
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We started after Nate found @mrmoneymustache and saw that there is more to life than living paycheck to paycheck.
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We started with our why. Why was it so important to us get our finances together. This Day was definitely motivation for us. Seats behind home plate, probably one of the best days of my life.
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From there, we started looking our spending habits. We tracked our expenses monthly and were shocked by so many of the numbers.
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We worked on one category at a time, starting with those that were highest (eating out, groceries, shopping). Slowly our monthly spending started to come down and we were able to start stock piling our money away.
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It wasn't easy and we often got frustrated with ourselves. But as the months wore on, we were able to see the progress we were making.
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I only wish we had started tracking our net worth when we started tracking our expenses! That would have been so motivating to see it grow month after month!
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Have you started your financial journey yet? How did you get started?

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I used to be a huge culprit of spending guilt. I would go out and buy something that I knew we could absolutely live without but having it may make our lives easier or better.
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Take our date night meal and drinks, for example. We could just as easily eat something at home and we don't need to go out. But it's important to our relationship to have that time together outside of the house every once in a while.
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I knew this but every time we would get the bill, I cringed a little inside. I would feel guilty that we could have saved that money instead.
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But that is not the point of this journey! We cut our spending purposefully on the things we don't care about and still spend frivolously on what we do care about. It brings so much value to our lives and we enjoy it in moderation.
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Our wealth building journey is about finding what makes us happy. It's about building a life that we can live to the fullest. There is no room for guilt in this life and if it truly brings value to your life, then by all means, spend the money!
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What makes you feel most guilty?

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Back in my hometown for the weekend. They have such a lovely downtown, I just had to take a picture. I’m actually supposed to be in town for a dentist appointment (it got rescheduled but I wanted to tell this story).
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I have been living in San Diego for over 5 years now and I have gone to the dentist maybe 3 times in SD. Every time I tried to go, I ended up paying an arm and leg for a simple cleaning. And then they would tell me I need $3,000 worth of work.
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The first time I heard that I freaked out. I know I didn’t floss but 13 cavities?! I called my mom in a panic and she told me to get a second opinion. So I found another highly rated dentist and yep, I needed $2,500 worth of work.
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I just kept avoiding and avoiding until finally last month I went to my dentist in my hometown. My parents go to him and trust him. I have my cleaning they say I have 1 tiny cavity. $77.10 worth of work. 😳😮
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Uhhh excuse me? The dentists in San Diego? Total shams. I’m so glad I checked my resources and went with one I trust. The same could happen with any specialized professionals (doctors, auto repair, home repair, etc.) so always go with a trusted referral if possible!

Join us on our journey to financial freedom and learn how to take control of your finances. We are Nate & Alicia and we look forward to learning with you.

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alicia@tickettofi.com

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