Financially Independent, Retired Early(ish) at 57.

A full year of ‘low-spend’ – and a reward.

Well, people following along at home – I did it!

52 straight weeks of only spending money 3 days a week or less. To be honest, going into 13 weeks of hard lockdown kicked off the winning streak, but then once I had momentum I was loathe to stop it.

I’m proud that I only manipulated my habits once – Evan24 had la birthday and I wanted to shoot him some money. I asked, instead of sending it on Friday, if I could make it Saturday instead, to keep the winning streak going. He laughed and agreed.

Winning strategies?

  1. Starting your spending week on a Saturday and then avoiding shopping over the weekend. (Harder to do with a job.) Then you start each week with 2 success days already under your belt.
  2. Marking ahead on the chart if you’re going to be going out or if there’s an event coming up. You can then avoid using up your 3 days and then getting hit with an expense that you could’ve foreseen.
  3. Making a game of it. Honestly, the world wouldn’t have caved in if I had’ve slipped up. But it’s satisfying to have set the goal for a complete year of disciplined spending and hit it.

So how did I reward myself?


so excited!!!

Remember how I set the goal to go to Antarctica?

I booked my place on a tour that leaves in December this year.

It’s with the company that I went to North Korea with back in 2018 and their price is 1/3 of the price than if we left from New Zealand – and it’s only a fortnight at sea instead of a full month. I have no idea of the sort of sailor I am. Latestarterfire is coming with me and we’re set to go.

I believe that with vaccinations ramping up, travel will open up pretty quickly. We’re both pretty covid-averse and will wear masks on the plane etc and the ship is requiring proof of vaccination for all passengers and crew. If the tour does end up having to be cancelled, we can postpone our trip to a safer time.

What could possibly go wrong…?


  1. Scott

    How exciting! Shorter time at sea is much less daunting and the ship looks good. You’ll be travelling back on Christmas Day so you can skip Christmas too – bonus!

    • FrogdancerJones

      The DEc 24 end date was almost enough to make me not go ahead. I LOVE Christmas…

  2. Latestarterfire

    Congratulations! And what a reward, haha! Fingers crossed, we won’t fall into the icy waters ?

    • FrogdancerJones

      No way! I’m on a Get Fit(ter) program.

  3. Budget Life List

    I’m so excited for you! I am hoping to do Antarctica in a few years but it won’t be for my FIRE celebration! ??

    I was a sailor for a few years, the best sleep I had was at sea.

  4. Ali

    Congratulations on the Antarctica plan taking shape!
    I can’t wait to see the travel pics from that trip.

Leave a Reply

Your email address will not be published. Required fields are marked *