Why am I here?

I guess my first post should explain why I am here. Not the question of me as a person, that would be something I'm not even sure I would know how to begin to answer. But why I am starting a personal finance blog.

The short answer, it interests me.

I like dealing with my own personal finances. I like to see that the work that I'm doing is helping me get closer and closer to my end goal of not having to work. At first this was a small balance in my account but over time it grew, and once it started to grow I noticed it started to grow bigger and faster. To me it has sort of become a game and my balance is my score, I'm just trying to get the highest score as quick as I can now.

I never really thought about it until just now writing down my thoughts on this post. It is a game.

There are no real rules to this game, I can use any means possible to increase this number. I look to see if I can find new income streams, test them out and see how I like them. I look to other personal finance blogs to find tips on how to trim my spending so I can keep that number as high as possible. I suppose the only rules that I do have on this game are that I cannot do any illegal activities to help increase my numbers. So I you shouldn't expect me to post about robbing banks to boost my income, though I suppose that could be one of the quickest ways.

How will I know when I've won? When I can keep up my current lifestyle (honestly I think I will increase my lifestyle at the end) and not have to keep slaving away at a job to do it. Some people love their jobs, I think that's great for them, but I am not one of those people. I work because I need to have a place to sleep, food to eat, and I want to be able to take vacations and do things that cost money. If I loved my job I don't think I would necessarily call it a job, it would just be what I do. If I truly loved it, I would continue it even if I didn't get paid, but I don't think that's the case for most people. I want to reach that point where I can just do what I want to do and not need to worry about making money. Some people call this retirement, some call it financial independence, but for me, this journey is simply working to not work.

If you are reading this blog I think you are probably interested in your own personal finances, which hopefully means you are one step ahead of the game, if you are thinking about how to save more then I applaud you.

I hope that what I write will help give you ideas from a new perspective. I follow a lot of personal finance blogs myself and I would link them but I don't know the etiquette of how people interpret links from new blogs and since I'm new to this I don't want to ruffle any feathers on my first day. But the blogs that I follow are great, but I have to take most of them and put my own mental filters on them. I can't follow all of the tips they give because it does not suit my lifestyle. Some of them talk of frugality, and I think it's great, but I can't cut my spending as severely as they can, I still like some of the comforts of modern life. I know that having a car is a large expense, but honestly I don't think my lifestyle would support only having a bike and a bus pass without some severe changes (such as moving or changing jobs). There's also other blogs out there that focus on making more money, from my main source of income, my job, that's not so easy to just make more money. It's not like I can just tell them to pay me more, well, I suppose I could, but I don't think they would do anything about it more than once a year. Also, I don't always relate to those types of blogs because I don't think I have the same drive. I could probably change my job to make more money, but I don't want to have to work more hours to do it. I feel like I already work enough, I like to have "my time", that is valuable to me too.

Maybe I have said enough about me, but here are some more details. I am currently 30 years old, I'm a software engineer, and I live in San Francisco. I make an above average salary, but probably not above average for the industry that I am in. I own my house, but I have 2 roommates to help me pay my mortgage. I don't live a lavish lifestyle (I prefer to save), but I do have a lot of comforts around the house so I still enjoy things when I can. I don't plan to tell my friends about this blog for a while, I'm not sure why, it's just not something I plan to bring up with them because I don't know if it will "stick". I've tried to start blogs in the past and they always seemed to fizzle out because I'm not dedicated enough to them. But the difference this time is that this blog has a direction and a focus. So maybe this will be different. I hope it is. But I also know that this one will be more work. It will take some planning, though as I write this post I'm realizing planning is probably not going to be the issue as ideas keep popping into my head while I try to wrap this up. I think my biggest issue will be time because my personal time is somewhat limited and to be quite honest I have a hard time juggling personal time, but I'm working on that and we will see how it goes.

Until next time,
Working to not work

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