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My Income & Spending June 2021

I no longer keep track of my income and spending. My income is getting tougher to track because there are several sources. And it’s usually enough to cover my spending, which isn’t much either these days. For June 2021 I earned an income from 4 main sources: rent investments consulting clinical medicine The ratio of […]

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20-Day Financial Makeover

Transforming Your Financial Life Here is the milder version of my financial makeover plan for a physician. The radical version can be found on this page. To me, it’s all about freedom. Yes, it’s a sacrifice but it doesn’t mean that you have to suffer. I retired in my late 30’s from medicine and moved […]

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Living on Less in the US

I’ve decided to get up and leave and live in Spain. That’s one way that I’ve managed to lower my lifestyle expenses. Since I can earn my money from US customers, I get to still enjoy a high location-independent income and spend in a cheap economy. But that’s a drastic way of living an affordable […]

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Spending Money Socializing with Doctors

I’m not naturally frugal, so when I’m outside of my comfort zone I tend to revert back to old habits. Spending money socializing is one of my weaknesses. Well, among many others. I know the counterargument is that your friends and family are worth spending money on. Supposedly, if your friends matter to you then […]

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Household Spending in Spain

I’m lucky that I was able to pay for my flat in cash here in Santiago de Compostela, Spain. Therefore I have no mortgage payments and don’t have to pay for extra property insurance and life insurance which are mandatory in Spain when you take on a mortgage. Spain can be a cheap country to […]