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Hi! I'm Mike and this is my wife, Jen!  Since we began this site, we've learned to live more frugally, completely eliminate our debts, create new income, radically increase our net worth, and live altogether better lives!  Sign up below for instant access to our members-only toolbox, including our exclusive guide:  15 Steps to Fix Your Broken Finances and Live a Better Life!



Triage:  the assigning of priority order to projects on the basis of where funds and other resources (in our case, time and energy) can be best used, are most needed, or are most likely to achieve success.1

We'll be back soon!  Thanks for sticking with us!


The LTNE Report -- March 2014 (Hello Spring!)

We are back from our vacation, renewed and ready for a great spring and summer!  I hope you are too!

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This month was a little meh, overall, but not bad.  Big events in our net worth included paying our tax bill to Uncle Sugar, so we endured a temporary dip there.  

Passive Income is up from last month, but still well short of our $1000 goal that we want to hit by the end of 2014!

Passive income this month was derived from the following sources: purchases through our site, Dollar Shave Club sign-ups, aWeber email list management sign-ups, and sign-ups for the free Ready for Zero debt reduction / financial aggregator service.  Thanks! Plus, we continue to generate passive income by using cash rewards credit cards that we pay each month!  

We continue to draw down our P2P Assets for our eventual transition:

But the interest from our P2P loans continues to roll in!

In fact, here is what a month's worth of transfers look like in our bank account (both Prosper and Lending Club).  Nice huh?

Site traffic is down from last month.

Our financial focus continues to be aggressive mortgage debt reduction, remaining zero balance with all other sources of credit, monthly investments into our Vanguard funds, drawing down our P2P loans and reinvesting them, all while keeping spending down to reasonable levels.  Next month we should see a pop in our net worth as we build back our savings after this year's tax bill and accelerate our investments (that is, if the stock and housing markets cooperate!).  

Thanks for tuning in!  See you soon!