All good things come to an end

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It all started on a sunny day in June of the year 2016. There was this simple idea to use the online world as a method to track down my investment progress. A rather personal showcase of the pursuit of financial independence and the journey it takes to get there. On that particular day in June, I shared with my husband that I liked the idea of having a blog. His answer? ‘Go for it.’ A little later Divnomics was born. 

Fast forward 30 months, and here we are today. 

Within the past 3 years of the existence of this blog, things have happened that I could never imagine. You might think that blogging is something you do alone, locked in a room with nothing more than a laptop. But that image couldn’t be further from the truth. I have been to around 7 FIRE meet-ups, met dozens of people who are involved with investing or personal finance in some way and learned to open up about my vision of money with others. Made new friends, got lots of new insights and am very grateful for the journey so far. 

And it’s exactly that journey that leads me to this choice…

This post will be the last one published on Divnomics.

At first, the only thing I wanted to change was the name. Divnomics was set up so I could track our trajectory of dividend investing. And well, since we sold our entire dividend stock portfolio in November 2017… It is about time to shake things up.

Why the change?

Divnomics was and is a blog which originally focused on Dividend Growth Investing, tracking a portfolio and dividend income, give insight into the stocks we bought and share anything related to it. Hence the name of the blog.

In my FIRE journey, there have been some changes where the story has outgrown the name.

First, we stopped investing in dividend stocks and started investing in real estate. 

Secondly, my writings have expanded from stocks and investing posts, onto something broader and touch several other topics I’m either very interested in or is a different part of the financial independence spectrum. Like developing the right mindset, the search for more freedom overall and other money or life-related insights.

The whole idea of being financially independent, ironically, has nothing to do with money. It’s much more a philosophical pursuit than a financial one. Where we aim to get rid of the ‘looking financial successful’ concept and replace it with feeling financially strong. I have been wrapping my mind around ideas like how less spending fuels happiness, how a lot of important things in our lives don’t have a price tag and that success and wealth follow suit from focusing on that what is meaningful to you.

Within my journey to financial independence, I had been focussing on the money aspect quite some time. Other area’s in my life didn’t always get the same attention. My health, social relationships, and work ethic were neglected over time. Not something I am very proud of. Since FIRE is more of a lifestyle than a job replacement, my focus shifted towards getting the most out of life right now, instead of later on. Which also means there are more things worth to invest in. 

Next steps

Based on this, I wanted to create a new blog where I wouldn’t feel limited to the niche topic the old name refers to. Where a mix of personal stories, real estate adventures and general insights would co-exist. Both in a financial and a philosophical view.

Thus, I introduce to you:

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We continue our journey of building wealth through real estate investing. And although wealth is often associated with a millionaire lifestyle, it doesn’t have to be. 

“When you discover you have more money than time, you should stop pursuing money and focus on getting the most out of your time.”

– tweet by Jonathan Clements

If you were reading Divnomics for the dividend investing updates, I don’t know why you are still here… But I can recommend you to take a look at DividendDiplomats, which was one of the first dividend blogs that led me to FIRE. For all else, I understand if what I write won’t always be of everyone’s interest. If you want any topic, question or situation covered, just let me know!

Most of all, I hope you will follow along on the next wealth!

See you there.

A Small History of Living

Housing history of Divnomics

The decisions you make in life can have a huge impact on your future. As it comes to finances, there is one thing that might be having the most impact of all: buying a house. Timing of the market, the debt you take on and the costs of all of it is substantial.

A few Dutch finance bloggers have been writing about their career in living and housing. What houses did they live in? What financial decisions did they make? And how affected those decisions their future path? Following Geldnerd and Meneer&Mevrouw, we thought it would be fun to list our own small history of living.

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The Past & The Future – The Beginning of a New Year

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With the holidays behind us, our lives slowly return to our regular daily routines. Some of you might have had some time off while others were working in quiet offices. Nonetheless, it’s always a different vibe around Christmas and New Years.

Our habit to reflect on the past and make plans for the future around new years might be a whole lot older than we think.

The month of January is named after the Roman god Janus. He had two faces – one looking to the future and one to the past at the same time – is one of the oldest god known to man and one of the most famous one as well, back in the day. Many referred to him as the god of beginnings, the light, movement, transitions, change, or the passing of time. His resemblance was used to portray doors, entrances, banners and of course: money.

In essence, he became a symbol of the progress from past to future.

And as we enter January goals and resolutions are being set for a new year. That what we have learned from our reflection is turned into plans to make it an even better year to come. It’s an old habit we can’t get rid off, apparently. 

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Becoming A Thirty-Something

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Most of the times we celebrate things, it’s about major milestones. Like a 30th birthday, or maybe a new job, getting married or reaching 100k of portfolio worth. On the other side, we never forget the major downfalls either, like the 1987 market crash, breaking up with someone or getting fired.

The crash of 1987 was the latest real depression so you could say. It also happened to be my birth year. As you can guess, today is my 30th birthday. And turning 30 is what many calls, the point of no return. You’re officially a responsible adult (or you should be) and you’re officially old. When you’re are actually 30 (or past it) you probably know it’s not that black and white. And instead of celebrating it big, I do something different.

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Cutting the cord

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Do you know those moments? Where you sit on the couch, maybe a blanket and some hot tea with you, and your eyes staring thoughtlessly at the screen in front of you. Enjoying the battles of Game of Thrones, enjoying a romantic love story or stay updated on the daily news.

But what to do if that subscription keeps costing you more and more every year. And those nights of sitting on the coach are happening less and less? Well, we did nothing for a very, very long time. But as of this week, we have officially ended our television subscription. 

Additionally, we have found two other household topics on which we could save money on. In the journey of financial independence, there is a whole spectrum on how to deal with saving and generating income. In previous posts, I’ve often mentioned that, for us, income generating assets are more important than cost reductions, due to the bigger impact. However, that doesn’t mean we don’t care what we spend our precious money!

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Minimalism: It Is All About Simplicity

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As we are making progress and reaching out to others we notice a lot of people who are decluttering, for several reasons. It will clear up space in your home, you can sell the items for money and it will help you let go the feeling of ownership more.

Either you do it out of frugal reason, or a minimalist approach, it fits perfectly in a lifestyle where consumerism isn’t the biggest driver to make you feel happy.

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Procrastinating on Your Job? Bad Idea

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When we started invested almost 3 years ago, our first objective was to get rich(er). We started buying stocks of which we believed would reach up to great heights so we would be able to cash in.  Of course, this wasn’t build to last. By researching more and more about investment strategies and how to deal with money, I stumbled on some PF blogs that were talking about a whole different way of thinking than we had at that time.

So, we shifted our focus to the long haul and started investing in dividend stocks. Aiming for a more meaningful and happy life by reaching financial independence, and the freedom to do whatever we choose. In other words, being opportunity-rich and time rich.

I can tell you, that it’s working. And over the years we’ve built up a small portfolio providing us with some passive income. We’re still far from reaching financial independence and it will take over ten years before we get there. The thing is, my objective that motivated me on this journey was the promise that one day I would be able to stop working my day job and could ‘finally’ pursue what I really wanted and when I wanted it. But I’m not that willing to wait until then, in order to pursue the things I like to do now.

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Going Minimal – How Less Can Mean More

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We’re all downsizing, saving and living frugally. The reason for this is to live a life without too much consumerism and building wealth for the long term. We’re at it for about 2 years now, but in the meantime, our mindset has shifted 360 degrees around. We’re not saving money only because we want to get more of it… But because we have certain values that just don’t fit with owning lots of stuff anymore.

If you want to become happier, you don’t need all those extra things in your life. Better yet, you need to get rid of them. It can clear up space, remove worries and move you forward.

The big change is that we don’t feel the urge to save money. We just think of how we can live a better life, and additionally, we save the money we don’t spend.

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