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    A Personal Finance and Fitness Blog where I produce content on living healthier and wealthier.

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Recent Articles

Investment Home With Magnifying Glass and Piggy Bank
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The Best $47,000 Investment I Ever Made

If you couldn’t tell by now, I’m pretty conscious when it comes to money and consumerism. Being careful with my spending allows me to build a cash cushion. With it, I am free from worrying about bills and small discretionary expenses…

March 2019 Update: 22% to FI, Recurring Costs Cut By $27

I started this series to reflect on our goals, summarize blog developments and share some things I learned this month. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it…
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The 10 Things Exercise: Self-Evaluation To Align Your Spending With Your Values

The idea is to create a list of the top 10 things that you enjoy doing most on a weekly basis and compare that list with the top 10 things that you spend money on each month. The goal of this exercise is to determine if your spending habits…

Visiting These Doctors Saved Me & Can Save You Too

For places like the U. S. where healthcare is super expensive, it is understandable for people to opt out of seeking preventative healthcare services when there isn't an apparent problem. Even with healthcare insurance coverage, the inconvenience…

February 2019 Reflection: Our Most Expensive Vacation & Goal Updates

I started this series to reflect on our goals, summarize blog developments and share some things I learned. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it continues…

January 2019 Reflection: 72% Savings Rate, IRS limits, & Starting Strong

Welcome to my monthly reflections. For those of you who are here for the first time, I started this series to reflect on our goals and share some things I learned. I hope you get some value and enjoy following our journey. If you haven’t already, join the Flexcents community as it continues to grow!…

12 Books To Better Your Life

One of the most powerful things you can do to better your life is to consume (and apply) knowledge from years of data and experience gathered from others. We all know time is your most precious resource, and you can save a lot of it when…

December 2018 Reflections: A Year In Review

Instead of reflecting on this past month alone, I want to change it up and briefly reflect upon this past year as a whole. 2018 – Our Year of Growth It all started with discovering the concept of financial independence and learning…
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Guest Post | Seeking Fulfillment While Unemployed

Hi everyone, Welcome to my first guest post. I have the pleasure of introducing Rob, from gettingcanned.com where he writes about work-life and his experience being unemployed for a couple of years. Rob will be writing about finding fulfillment…
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November 2018 Reflection: Minimalism & Trip to Chicago

Hi Everyone, The purpose of these reflections is to give me the opportunity to share more of myself with you. It will allow us to learn more from each other and grow together. I take my daily journal entries and reflect upon common themes…

October 2018 Reflections

Mrs. Flexcents is quite an artist. She carved the pumpkins and made the ghost. She and her co-workers helped to get this great set up. How appropriate, I think this is how most people feel about student loans. Hi Everyone, This is a new series…
Flexcents
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Breakdown Of How I Paid Off Over $100,000 In Student Loans Within 2 years

I paid off my 6-figure debt in October 2016. It was such a huge accomplishment that I immediately downloaded all my payment records and saved them so no one could tell me otherwise. Now that I’m more financially curious, I wanted to find…