On the path to financial independence: May 2017

May was a tranquil month at the BITA household. For once our possessions did not demand repairs or replacements, nor did our dependents require medical attention to body, mind or tooth. There were no birthdays or anniversaries. A month of financial bliss!   This month we did nearly all our […]

On the path to financial independence: April 2017

Life threw us a curveball or two but on the whole April was a happy month at the BITA household. The weather was fantastic for most of the month and we picnicked outdoors twice. Both times we went to one of our favourite picnic spots, complete with vast green fields, […]

On the path to financial independence: March 2017

March was an eventful month at the BITA household.   My father, who works in Botswana, decided to pay us a surprise visit (my mother had been with us since January). Mr. BITA conspired with him and on the Saturday in question, told me that he was going rock climbing […]

The Mystery of My Medical Bills (I may be a Cyborg)

The birth of Toddler BITA nearly three years ago left me with an umbilical hernia. On the 26th of January my hernia took issue with a section of my intestine and attempted to strangle it to death. This is the story of that ghastly attempted murder, and of the baffling […]

On the path to financial independence feb 2017

On the path to financial independence: February 2017

February started out slow and mellow. I was still recovering from the abdominal surgery that I had in January and I was on sick leave till the 4th of February. I went back to work on the 6th, barely caught up on what I had missed, and then we set […]

The marriage tax

Should I Get Divorced?

Mr. BITA and I are both software engineers. We each make a good living and our incomes are nearly equal. We got married in 2013, and at the time of our marriage we were the polar opposites of financial wizards. Financial dimwits. Financial dum-dums. We had money sitting in our […]

On the path to financial independence: January 2017

And will you succeed? Yes! You will, indeed! (98 and 3/4 percent guaranteed). – Dr Seuss, Oh the Places You’ll Go   The first month of the year proved to be more exciting than we expected. I had to have emergency surgery because my umbilical hernia (thanks Toddler BITA for […]

Rent or buy in the Bay Area

To Buy Or Not to Buy

To buy, or not to buy, that is the question: Whether ‘tis Smarter for the pocket to buy The House and hope for outrageous Fortune, Or to Rent and ne’er repair a Thing Buying vs. renting: the eternally debated question on financial independence and personal finance forums. Conventional wisdom says […]

On the path to financial independence: December 2016

“To accomplish great things we must not only act, but also dream; not only plan, but also believe.” – Anatole France This quote goes to the heart of what we as a family accomplished in 2016. It was the year that we started down the path to financial independence and […]

Plans for 2017

The Evolution of our Plan for 2017

We started planning for early retirement and financial independence in 2016, and published our plan to get there. In part, our plan included the following salient points: Save $20,000 in the last quarter of 2016, October to December and Save $120,000 in 2017 It is time to revise the Plan. […]