FIRE stands for Financial Independence, Retire Early. As many people don’t plan to retire when they reach FI, other names have been introduced, like FIOR (Financial Independent, Optional Retirement).

The Dutch have another name for it: HOT. This stands for Happy, Opportunity-rich, Time-rich. This actually speaks more to me, as I want to be happy and have all the opportunities and time to do what I want with my life.

FIRE / HOT is about changing your mindset on money. If you earn more, spend less and invest the difference, you can build up a passive income. If your passive income equals or exceeds your expenses, you can call yourself financially independent.

On this page you will find posts about making money, saving money, get out of debt and about changing your money mindset.

Buy Nothing Challenge – April Update

It’s May already, so another month has passed. We are already four months into our Buy Nothing Challenge! We bought one thing this month and April wasn’t our best month

85 Tips To Save Money

How would you feel when you have money left in your bank account at the end of the month, instead of the other way around? You can achieve that every

10 Great Ways To Make Money From Home

If you want to become financially independent, a good start is to make some extra money from home. You can do these things after work, in the weekends or when

Why We Don’t Pay Off Our Mortgage

Mortgages, lots of people have them and the always ongoing discussion is to pay off or not to pay off. Since my husband and I are into the whole investing

Buy Nothing Challenge – March Update

Spending less seems like a hot topic nowadays. I see “no spend month” challenges everywhere. We are actually doing this thing for a whole year! I read about this last

Review: The Master Your Money Super Bundle

Are you tired of stressing about money? Do you want to pay off debt, budget like a boss, and reach your financial goals? Master Your Money Super Bundle is an

Buy Nothing Challenge – February Update

We are doing a buy nothing challenge for a whole year. Mainly to think about what we’re all spending in this consuming world, while we really don’t need all this stuff.

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