I don’t like to go to malls or grocery stores or department stores. Whenever I go, I have specific things that I need to buy and I’m usually in and out. These days, we go to the mall to utilize their indoor play area for MBP, especially on winters, but I don’t buy anything.

Shopping is still a line item on our expenses and most of the time, I don’t even know what it is. Most of these shopping items came from Amazon (and Costco, lately). I decided to look at my Amazon order history and surprised how it showed the stages in my life.

Note that my husband and I have separate Amazon account and this post only reflect mine.

My life through my Amazon Purchases

2015 was the year we bought a house and got dog, a month after moving. I ordered 43 items, 3 were returned and 7 were gifts. I kept 33 items and 48% of the items were dog related. We have a pretty spoiled fur baby.

2016 was the year we got married. I ordered 48 items, 5 were returned, 8 were gifts. I kept 35 items and 37% of the items were wedding related. The rest were pretty random.

2017 was the year MBP was born. I ordered 85 items (OUCH!), 4 were returned, 12 were gifts. I kept 69 items and 71% of the items were baby related. I can’t even remember why I ordered some. There were some items that I never used, but for some reason never returned. At least I learned that there was no magical pillow that will help you nurse better or any sleep sack that will make your baby sleep through the night.

2018 was our last full year before early retirement. This means that we are both working while my mom takes care of MBP. I ordered 51 items, 6 were returned and 5 were gifts. I kept 40 items and 58% of the items were baby/toddler related. I’m still learning how to get items from the consignment stores. Things like toddler shoes (that were used for less than 3 months, because MBP just grew so fast) were ordered.

2019 orders went down. We retired and I got pregnant, but surprisingly there was only 1 pregnancy related item that were ordered. I ordered 32 items, 2 were returned and 8 were gifts. I kept 22 items, 32% of that were toddler related. The rest were just random.

There are 4 apparent trends I saw while searching through our browser history

I purchased majority of Christmas gifts and Birthday gifts at Amazon. Christmas Gifts were sometimes shipped directly to the recipient, which made it more convenient.

I will buy consumables like lotion and dog food. This shows how much I dislike driving and going to a local store. I’d like to think that Amazon prices were cheaper too.

I will buy non-sense items and it showed quite a bit when we got a dog and when MBP was born. This includes dog toys that got chewed on in 20 seconds or random items that advertised to help me nurse or pump for MBP.

I buy things on Prime Day, just because. We have 3 echo’s in total, I bought 4 t-shirt (it’s on sale). I was able to use it for work, but the quality is awful, that 2 of them already have holes.

What I bought showed what I prioritized

Similar to our budget, what I bought showed what I prioritized. The first thing I did when we got our fur baby was go to Petco and bought $100+ of dog items like bowl, bed, toys, etc, etc. Little did I know that I can get all of these for a fraction of the price at thrift store. Similarly when MBP was born. Almost everything that we think we need are purchased online with very little thought on a more frugal option. And that’s ok. By going through this history, I cannot lie on my priorities in life. I cannot say that I prioritize travel, when I our spending don’t even include that. Perhaps when the kids are a little older.

Your turn! Anything in your purchase history that revealed something?

The first month of the year is over. We finally got rid of our very high health insurance premium. The expenses for this month reflected that. We are also on the “waiting for baby #2 mode”. I’m now passed 37 weeks as of this writing. Although 37 weeks is still consider early, it is safe for the baby to come out. I worry less now. My doctor gave me a green light to get out of the modified bed rest. We started going out for walks, but I get winded quickly and have to take it slow. MBP is enjoying it though. We’ve been to the pond and he likes seeing all the ducks. He also likes playing around the puddle.

In January, we spent 2,471.50

Insurance $0

I’ll start with our $0 insurance cost. Investment income which includes dividends and interest is our only form of income. We have at least a year of our spending budget and I don’t expect to realize any capital gains for the year. Because of this, our income is “low”, per Washington state guideline. We thought about moving it up in order to pay for the marketplace, but the Apple Health through WA state plan has a better coverage. It has our whole family’s provider. This insurance cover both health and dental.

Food $641.73

Our biggest expense now is food. We spent $519.43 on groceries and $122.3 on restaurants. Our restaurant’s expense includes 3 trips to Costco, and 1 trip to KFC for my birthday dinner. There are 2 more establishments that can actually qualify as restaurants. Back in the days, pre baby, we can easily spend $60+ on brunch. which usually occur every weekend with friends. Going out is really where I see our expenses go down. We shop at WinCo and Costco for our groceries. Costco is closer to us and we think that we will most likely move most of our grocery purchases. We’ve been really good at eating all the produce. MBP has been obsessing with strawberries and blueberries. We serve fruit everyday with breakfast with some “soupy oats” during the weekdays and eggs/pancake combo during the weekend. There are still some food that go to waste, but we’re getting better and figuring out what we actually eat.

529 College Fund $400

I decided to include this as our expense. I know that it is not a cash outflow. It is still part of our net worth and has grown – thanks to Mr. Market. We started contributing $400 after his 1st birthday. Our decision to fund this will warrant another post. We will most likely open another one for baby #2 with the same monthly funding ASAP.

Tax Software / Licenses: $334.24

I am a license CPA in state of WA and plan to keep it. It took a lot of blood, sweat and tears to pass this exam after graduation. I plan to launch my own business at some point. I spent $230 for my CPA renewal that is valid for three years. I also spent $104.24 for HR Block Software. There was a glitch while I’m buying the software and I mistakenly bought 2. I purchased the premium + business downloadable software. This let me file for 5 federal tax returns. I prepare taxes for our family. The software will let me file for (1) ours (2) my sisters (1) my brother and (1) my parents. Total comes to just a bit over $10 per tax filing. I’ve used HR block and Turbo tax before. I like HR Block than Turbotax. I like that I can actually see the forms in HR block. It also tends to be cheaper than Turbo tax.

Utilities (Electric / Gas and Sewer): $216.33

This month doesn’t include water and garbage which is billed every 2 months. It is still fairly high because it was a cold January. We’re also running the washer and dryer almost everyday since we are potty training MBP. He has a habit of pulling his diaper out while sleeping and he wakes up in the morning soaking wet.

Baby Supplies: $176.82

Baby Boy #2 is due in 2.5 weeks. We bought an infant car seat since our last one that we got for free expired. I also got some adapters for our Uppababy stroller so we can use the bassinet and the seat at the same time.

The rest of the expenses are routine/ boring. Our YMCA membership wasn’t canceled. I missed the cut off from last month. It finally canceled this month. This should be the last month with the gymexpenses. We bought some wipers for our Prius in Costco, dog food and other household supplies in Costco. Our internet is still around $50 and our mobile phones from Xfinity clocked in at only $11.93 this month for 2 lines.

We don’t optimized on all things. Items like “shopping” and even “household supplies” are somewhat unknown. We will keep an eye on it, but will not sweat it for now.

And here’s our expenses for January 2020. How was the start of your 2020?

It has been 6 months since we officially quit our W2 employment, called ourselves “retired” and moved out of the city. We are financially prepared and has been very conservative with our estimates. I’m not worried about the financial aspects going into retirement, but I was / am worried about the emotional toll that it could bring, mainly the boredom and the feeling of being unproductive. During the last 6 months, here are some things I learned about myself.

Giving up control

We decided to add an addition to our family post retirement. I am on a category of a high risk pregnancy, given that our first son was born at 28 weeks. For some reason, I thought that this pregnancy will be easier. I will have the benefit of all the medications and preventative measures that are available to have an easy pregnancy. I pictured myself doing yoga while pregnant. Well, I was wrong. This pregnancy is hard. From the very beginning, I felt so tired. At 22 weeks, I was advised by my doctor to take it easy and was put on modified bed rest. Our plans obviously changed. My husband stepped up and did everything to run the house, while also being the primary care taker of me and our toddler. I tried to help out as much as I can, but I was paranoid on every contraction that I felt during the second trimester. It was such a relief when I completed my 28 weeks of pregnancy, knowing that a good prognosis is on our side if I give birth. I have to be very flexible and gave up control. There are certain things that I wish I could do, but I listen to my body instead. I nap when I needed to nap. I stopped any activity that caused contraction. I stayed still. So in the last 6 months, I didn’t really do anything “productive”. I had a plan to carved out some time start a business, be engaged in my son’s school, get to know our neighbors and be active in the FIRE community. None of it happened. My husband was doing really well hitting the gym everyday, but that stopped when he has to take on all the work here at home, taking care of me and our son.

Psychological effect of “lack of income”

As I mentioned before, we were very conservative on our estimates when we retired. Our paid off house and a rental condo was not even part of our “portfolio” when we calculated our need for the retirement fund. I know this, but it still stings knowing that I don’t have any money “coming” in. Our portfolio grew even more, thanks to the market, but our “cash” is decreasing. We expected this, obviously. There are certain things that helped, like the higher than expected dividend income that we received this year. It also helped that we have a pretty good cash buffer and the fact that we are actually spending less than I expected. After this 6 months, I’m more relax. I even shelled out $900+ for a new iPhone 11.

We really don’t need a lot

My husband and I have some discussions regarding things that we will do if we really have a LOT of money. I’m talking about hundreds of millions here. I’m still not sure if I like living the suburbs so my thought is to go back to the city, buy and live in the house overlooking the water. I then gave some real thoughts about it. We’ve been somewhat there. We lived in a neighborhood surrounded by million dollar homes. Our son attended his first toddler class in this neighborhood. We attended a fundraising event that auctioned an “art” made by a toddler for thousands of dollars. It’s insane! We have a fairly high income and can definitely be part of the crowd, but it is not “us”. After 6 months of tracking our expenses post retirement, I can tell that we are definitely not part of that crowd and I’m happy with that.

I started this new year turning a year older this January. I’m not sure how this will unfold. I do know that flexibility is the key on sustaining this early retirement lifestyle while parenting our two toddler. I’ll still have goals, but I will just be ok if majority of it never happened. That is the beauty of retiring early, having that flexibility to stop when needed.