12 Easy Sustainable Swaps That Can Save You Serious Cash

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We’ve all been there, right? We want to save the planet, but we also want to save our hard earned cash. We want to help but… is that expensive eco-shirt really going to make a difference?

Most things would just add clutter to your life unless you remove something else at the same time. We are so good at piling on our life, but rarely as good at reducing or decluttering.

So with that in mind, here are 12 easy swaps that are both sustainable and save you some serious money in the long run.

Yup, I am still on a mission to bring you easy, actionable things you can do to help #movethedate!

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Green Growth – An Ethical Index Fund

In the spirit of trying to take more action in life, I occasionally mail various strangers to ask questions to try to entice them into action beyond what I am capable of doing.

I don’t know how successful this actually is, but it is worth the shot, right?

I have been thinking about our investments lately. Wondering if I should take the risk and try to invest in individual companies, solely for the reason that I want my money to have a positive impact on the world, and not to fund things like weapons and fossil fuels.

But that has generally not been the way index funds work. By and large, they buy a small chunk of the entire market, warts and all.

There have been some actively managed funds on the market that dabble in sustainability, but I have not felt convinced that the extra fees are worth it for their inclusion/exclusion criteria.

So I mailed a few financial corporations to ask if they would be willing to consider blazing a trail in the financial industry by creating algorithms for ethical, sustainable index funds.

Lo’ and behold, one of them had just launched such a product one week prior!

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Entrepreneurial FI

We don’t talk a lot about big fancy graphs beautifully plotting our way to financial independence (FI) on this blog.

There are no savings calculators or inspirational loggers to help you figure out how many years of work until you can put your day job aside and figure out what you really want to do with your life.

One of the primary reasons for this is that life is crazy and unpredictable. Neither of us have permanent jobs and that is not something that is scheduled to change any time soon.

We know interests are going to go up “soon”, because they’re at an all-time record low and there really is only one way for them to go.

In short, there are just too many variables for us to make any sort of realistic budget for the next 10-15 years. And perhaps more importantly, neither of us want to work a conventional job for that long. Feeling like we had to do that would probably deflate our motivation rather than inspire us.

So what is our alternative?

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How Are You Motivated?

Recently, Mr. E. and I have been talking more than usual about our dreams and how to get there. It is fascinating to me how differently the two of us are motivated!

It took me a while to realise and appreciate that what lit a fire in my belly was not necessarily the same things that made Mr. E. charge full speed ahead. It was confusing in the beginning, and it seemed like we were talking around each other.

I suspect this is something that might frustrate or confuse other people as well.

“Why doesn’t this work for me, when it works for them?”

It might also grow to be a source of confusion and even frustration, if your friend, spouse or family member is motivated in a polar opposite way from yourself. It’s a communication issue waiting to happen!

Luckily, the solution is simply to talk to each other, and to learn to appreciate and respect how other people’s brains work.

Are you a carrot person or a Pants-on-fire! person? Or perhaps you are motivated in an entirely different way?

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Earth Overshoot Day 2018

For those of you who have been with this little blog of mine for some time, you probably noticed that in addition to a passion for personal finance and financial freedom, I am also deeply concerned about climate change and human environmental impact.

Even though I carefully curate my inbox to avoid newsletter clutter and spam, there are actually a couple I read with interest. One of those are the mails from Global Footprint Network, a nonprofit organization which calculates the earth overshoot day, or the day when humans start using more than the planet can replenish in a single year.

So when their mail about earth overshoot day and their campaign to move the date hit my inbox, I knew it was going to be worth my time.

This year, earth overshoot day is calculated to occur on August 1st.

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4 Frugal Habits From Growing Up Working Class

With recent events having encouraged both Mr. E. and myself to call various family members, I have found myself reflecting over how our pasts have shaped our current personalities.

I have mentioned it before that we both grew up working class. Our parents worked steadily to improve our living situation, in the classical scenario of slowly upgrading from renting to small apartment to bigger home to full-on detached house with garden and driveway.

Our parents worked, hustled and saved. From a young age, I remember being aware of how much it was appropriate to ask for in terms of birthday and Christmas presents. We enjoyed one vacation trip every summer, and did not really have a concept that there were people who did more than that.

I would say I was lucky. I grew up in an area where most people were in similar situations. So what I saw in class and when visiting friends was the same truth I was used to from home. I did not notice much shame in not having the “right” toys, although I will admit, my ugly flea market clothes did get some flack.

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Sidehustle Log 05: Going Digital

This is a continuation of my sidehustle log series. A real-time experiment in striving for financial independence online. I don’t know the answer to this series any more than you do!

Other instalments can be found here:

It’s been a while since we did one of these, so I thought perhaps I would run an update on how the world of sidehustling is going.

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May Review

All right, it’s June! It has officially been over a year since I started my current job and moved back to Norway. I still feel a bit clueless at what I am doing, but I think the pieces are finally starting to fall into place. Fingers crossed.

This month saw a massive spike in our “misc” spending as we wasted invested over $600 on our relationship. That was a few weeks before we decided to just throw caution to the wind and just go ahead and get married next month. It’ll be a crazy ride, and our net worth won’t see much of an increase, but it’ll be worth it for sure.

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Home And Brave Experiments

Only a short post today to share…

I Am Home Again!

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A Week Without Internet

I’m pretty sure I’ve said this before, but… Svalbard is an interesting place.

It is Friday, on Tuesday we have our exam, and the day after that, I’m turning my nose home to Mr. E. It’s been a good experience, but I am very ready to go back back home. Seven weeks is just a bit too long to be away from everything and everyone. Especially when people are posting pictures of their gorgeous gardens and I have barely seen a green leaf of grass.

But not before I relay to you the story about how we lost internet for nearly a week.

All right, that sounds overly dramatic. We lost the wifi for nearly a week. There was ethernet connection, but in this day and age, so many laptops come without the ethernet plug, and I didn’t bring an adapter, as did very few of the other students.

So for a week, my room was an internet free zone.

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