Personal Finance Can Be Delightfully Boring

It continues to be quiet around these parts. Why? Financially, things have been pretty dull. There has been a total absence of financial drama. Yep, and it’s a good thing.

We have felt comfortable.  What is the source of this comfort?

I put it down to the following:

  • We spend less than we earn. We know this because we review our spending.
  • We have automated saving.   There is no decision or action required it just happens every month.
  • We have wills, insurance and a serendipity fund.  Emergencies – we’ve got those covered.
  • We have a manageable level of (mortgage) debt.
  • We have a plan.

It was not necessarily easy or painless to get here but worth the effort.

So, is that It Am I done?  Not by a long shot.  Nothing is perfect and everything can be refined or improved. Personal finance is a journey. Sounds corny doesn’t it? Everyone’s route and everyone’s personal finance journey is unique.  But we know where we are, we know our destination and we have mapped out the route.  We expect that there will be detours, delays and GPS miscalculations.  But that’s ok, because at least for now we are absolutely enjoying the scenery.

~~~Personal Finance CAN Be Delightfully Boring~~~

20 Comments


    1. Slow and steady… just keep swimming… slow and steady…

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  1. Boring/drama-free is a good place to be in investing.

    The hard bit is to relish this relative boredom but I’m finding I’m a little bit fidgety and I want to tinker and make changes!

    Must…not….tinker…!
    weenie recently posted…Good News at WorkMy Profile

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    1. Oh yes – hard to resist tinkering. Just rebalanced some things yesterday and I am going to sit on my hands and leave it alone.

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  2. I can completely relate to the complacency you’re experiencing. Haha, it seems I can only look at my bank account online so many times a day!

    Sometimes I put a short-term challenge or two to spice things up and keep me motivated. Hope you’re enjoying the drama free lifestyle!
    Jonny recently posted…February Net Worth Update – It’s Freakin’ Cold Out!My Profile

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    1. Good idea. Right now working on the purge but maybe throw some challenges in for fun – like a pantry/freezer/found money challenge. Thanks I will noodle that over.

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  3. Ah, boredom. Enemy of restlessness. Hero of stability. 🙂

    (I’m SO thrilled to see a post again from you May! YAY!!! It’s been TOO long!) 😀

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    1. Thanks Kay! Happy to be back and going to try to keep things in moderation.

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    1. Who can resist a puppy? I should start a business babysitting puppies and then charging people admission by the hour to come play the puppies – call it the Puppy Treat Retreat. Hey maybe I am on to something…

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  4. I’m good with boring too. I’d rather ride this boring train to becoming debt free then ride the keeping up with the Joneses train and can’t afford to buy chips….just saying.

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    1. Ah the Joneses. I try to stay away from them – they are a bad influence. LOL

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  5. I’m ok with “boring” because it means nothing crazy is going on, especially in regards to finances. We’re set like you, automated investing live well below our means and now just count down the days to FIRE. Tick-tock, tick tock….. 🙂
    Mr. SSC recently posted…Woohoo! The Liebster Award!My Profile

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    1. I too long for FIRE — the journey is fun though. Thanks for stopping by and good luck… tick-tock

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    1. Some of the best conversations are about budgeting and saving!

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    1. Oh! Sorry to hear that. Hope they get boring again real soon. Thanks for stopping by and I will be interested to see how things go with the Digit App. I have been hearing lots about it.

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    1. Cheers! Boring can be great if it means drama free.

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