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  • Home
  • About
  • Posts
    • Financial Independence
      • Expense Optimization
      • Investing
      • Tax Optimization
    • Travel Hacking
    • Hobbies & Passions
    • Diary Entries
  • Books
    • Book Reviews
  • Contact Us
  • Privacy Policy

Tracking Our Expenses: Observer Effect

Expense Optimization / August 23, 2020 February 21, 2021 / By Ms. DMD

My first memories of tracking expenses go back to when I was about 10 years old, maybe younger. I remember having a kid’s savings account where they gave us a little rectangular notebook, very similar to a checkbook. It was fun for me to do all the math! From an early age, I understood that …

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We Lowered our Cellphone Bill by Over $100/month!

Expense Optimization / August 16, 2020 February 21, 2021 / By Ms. DMD

I’ll start by saying that I think technology is simply amazing. We live in times where we are more connected than ever, more aware of what is happening around the world which leads to a ton of good…and bad. But this post is not about the impact technology has had on humanity. This post is …

We Lowered our Cellphone Bill by Over $100/month! Read More »

How Much Internet Speed Do You Really Need

Expense Optimization / August 2, 2020 February 21, 2021 / By Ms. DMD

In this day and age, the internet is a basic necessity for middle-class American families. We rely on the internet to do homework, pay our bills, and funnily enough to write about how to get cheaper internet rates.  As long as we have good enough internet that it’s not painfully slow we can survive. Have …

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Our Journey to Financial Independence

Financial Independence / July 26, 2020 February 21, 2021 / By Ms. DMD
Toughen Up Cupcake

It was the summer of 2018 and I had just graduated from college, moved away from my family, friends, and my country to follow the American Dream. Even though, everything was going well at the 9-5, I quickly realized I had been thrown into adulthood with zero knowledge on retirement savings, health insurance, etc. My …

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Welcome to Dear Money Diary!

After fantasizing for years about travelling to exotic locations like Bali and Maldives we found the FIRE Movement (Financial Independence Retire Early). Ever since that amazing podcast episode back in 2018 when I first heard about FI, we've changed our lifestyle to save enough money to one day travel the world full-time. Join us for the journey!!

Recent Posts

  • Day 1: Arriving in San Jose, Costa Rica!
  • Colorado 12 Day Camping Trip Part 2
  • Colorado 12 Day Camping Trip Part 1
  • Financial Independence & The Freedom To Make Different Choices: Car Camping

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