Early Retirement Extreme

— a combination of simple living, anticonsumerism, DIY ethics, self-reliance, resilience, and applied capitalism

Advanced cash flow diagrams

Published in June 28th, 2025
Posted by in budgeting, personal finance
15 Comments

One of the things I get used to get paid for on a daily basis is was to sit and stare at large amounts of numbers and try to make sense of them. The thing that has repeatedly helped me understand those numbers is to develop some way of visualizing these numbers. It is not […]

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Cheap fruits and vegetables via loss leaders

Published in May 7th, 2025
Posted by in budgeting, frugal
24 Comments

The cheapest fruits and vegetables are the one’s you grow yourself (we’re working on it). A secondary choice for the more social and enterprising kind is to ask people if you can come and pick it off their lawn or trees in exchange for, say, half the loot. For the less enterprising, I suggest loss […]

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I don’t need an emergency fund, I have a credit card

Published in April 1st, 2025
Posted by in budgeting
25 Comments

I don’t have a disaster fund or an emergency fund. For emergencies, I use a credit card. Why do I do that? The reason is that emergency funds must sit in a checking account to be liquid. While sitting there they earn less than a savings account (in general) typically only a few percent. If […]

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