I’m luvbugium. I was on Fatwallet for several years under my real name which is Cindi until I discovered that if I google my name all my Fatwallet posts pop up, so in about 2006 I changed it to luvbugium.
I was raised by working class by parents who never finished high school. I clawed my way to the middle class through education but I discovered opportunities to make passive income in about 1999 after I finished Peace Corps. When I found the Fatwallet finance forum I thought that I found my people despite the fact that I don’t post a lot. I also don’t make too much money and frankly, I’m a girl, which there aren’t a lot of.
My parents always lived in a financial nightmare. Paying bills was full of stress and yelling. They would regularly go on huge spending sprees and then declare bankruptcy. I grew up not answering the phone because it might be a bill collector. I don’t have a lot of patience for people who claim they are bad with money because they were never taught better. Both my brother and I are frugal.
Because of SIS I did many app o ramas and I read the rental property thread thoughtfully before I bought some properties. Credit card bonuses have paid for every Christmas for my kids.
I am a teacher and I married a local African when I was in Peace Corps so I don’t make a lot of money. This makes FW more impactful because a 500 dollar credit card bonus is a huge boost to my budget.
So, thanks everyone for all the work you have done over the years. I hope we have many profitable years to come.