Welcome to 2024 (better late then never)! First post of the year and it’s one with a bang. I lost my job… And… back to Koos Werkeloos! Job loss The story is as follows, last year we cleaned out our cash reserves in an attempt to upgrade our money pit into a home. Albeit not finished with said money pit, I did start to look for income to infuse our cash position last yeat. I was fortunate to find a decent job, on rotation basis and abroad, on an interesting project. Fast forward to 2024 and due to tightening of […]
Nope, we are not dead yet! Albeit we are now over halfway our lives (statistically speaking), we are not planning to call it quits just yet. Life has been good but busy. Financially we are making steps forward once again too. Working really does miracles! Only major downside is that you have a lot less time to do fun stuff. Me no likey. Life update Quick summary, we bought a house that was too big, too expensive and needed a shitload of work. We call that a money pit. Said money pit is slowly improving, albeit not completely finished yet. […]
Quick service announcement. I really suck at this whole FIRE thing, seriously no idea what I’m doing. We first bought a million euro plus money pit and now I go back to work! So, I’m no longer Koos Werkeloos. One does relate to the other… Despite the fact that we could live in the money pit on one income. We have depleted our cash reserves quite a bit due to the renovations (which are still under budget, surprisingly) and lack of income from my end the past year. It got so bad that we only had about €4-5k left on […]
We wish you the best for 2023, all in good health and financially succesful (of course)! The new year will no doubt be interesting on all fronts. It has not been boring the the last few years, I expect no difference in 2023. We plan to finish the renovations of the house, optimize our finances. Perhaps even find new employment (or some other challenge to make daily life more entertaining). Net Worth Drop Financially we dropped a bit in Net Worth/Cheesy Index terms (still need to calculate how much), obviously because of the purchase of the money pit and limited […]
Koos Werkeloos. Not sure what this directly translates to in English, but something like “Joe unemployed” probably. Unemployed I am! Mrs. CF is currently the family’s sole breadwinner. Why Unemployed? Why am I unemployed? Currently two reasons. I had a good gig going as an independent contractor, but unfortunately the project got shelved and I could not continue. There is still a chance that the project gets restarted, but no news so far. Still hoping that it does, would be fun and involve some international travel to places where it is a lot warmer than Dutch winters. But the chances […]
How to Un-FIRE yourself – a crash course. There are many ways to UN-FIRE oneself. By far the easiest one is to buy a house that is way too expensive. And that is exactly what we did! You can too 😉 It’s so great to be able to provide this useful financial information with a restarted blog! The Cheesy Index I’ve revived the Cheesy Index again, and… it is a bloodbath! We used to be able to get around with about €29.000-33.000 per year (we had little to no mortgage payments and are frugal most times). With the new money […]
Before we dive into why we bought the money pit and why it’s great, let’s assess the money pit.
I have no good idea honestly. I do know that I won’t put everything back that I wrote in the past, but what do you want to see? Or what would you like to see coming back? The Plan To be fair, there is no real plan. But after Twitter went completely down the drain (it always has been a bit of a drain to be honest), I wanted to make sure I had a place left as a legacy for Cheesy Finance where I can think out loud and have some fun. What I have done so far is […]
We are back, but it will be different from the previous years for sure. Why? Well, we moved and are trying to convert our money pit into a family home. This takes up an enormous amount of time, which together with maintaining our other real estate doesn’t leave much time for other things at the moment. Stay tuned!