September 6, 2017 Credit Cards Investing Personal Finance Philosophy Saving 60

I often find myself inspired by other personal finance bloggers and their innovative ideas for saving, investing and personal finance calculations.  One such moment of inspiration came a few weeks ago when several personal finance bloggers including Budgets on a Stick, Apathy Ends, and the Luxe Strategist created their personal “money map” to show the flow of their money and how they prioritized savings, debt, expenses and investing.

The idea of a money map struck me as particularly helpful as Mr. Adventure Rich and I formalize and share our personal finance philosophy.  The money map gives both you (the readers) and us (the writers) an insight into how we manage our money.  So, after sitting on my to do list for awhile, I finally sat down to create the Adventure Rich Money Map!


Money Map Legend

Orange = Mr. and Mrs. Adventure Rich’s Pay!

Green = Savings Accounts and Checking Accounts

Blue = Investing

Red = Expenses

Grey = Credit Cards


Money Map Details

Due to the size of the font in the picture below, I am zooming in for a detailed view here:



…and here:



Hopefully these images are a bit easier to read!


The Money Map Flow

While this should be somewhat self explanatory, I’ll add a little color here.


Incoming Pay

Every two weeks, Mr. Adventure Rich and I are paid by our respective employers.

Mr. Adventure Rich’s Pay goes directly into a checking account and is dedicated to paying our mortgage + some each month.  Any leftovers head to savings accounts for various goals.

My pay is a bit more complicated.  First, I have automatic deductions for my 401k (maxing out + employer contributions), HSA (maxing out, including employer contributions), Dependent Care Flexible Savings Account (our + employer contributions).  Once all the taxes and other deductions are subtracted, there is a bright shiny number left over.  We then divide this “shiny paycheck number” up into several goal specific savings accounts and our checking account.



My paycheck covers most expenses including our utilities, daycare, credit card bills and any cash/non-credit card purchases.  As mentioned above, Mr. Adventure Rich’s income pays for our mortgage (+ a little extra) each month.

Our credit cards take the bulk of our expenses (anything that allows credit card payment) including groceries, utilities, gas, eating out/recreation and other expenses.  This helps us track our spending and earn points for our purchases.


“Other Accounts”

We have several investing accounts that hold funds, but are not currently being funded with additional investments.  These include Mr. Adventure Rich’s IRA, the remains of his former employer’s 403b, AR Jr.’s 529 plan and my employer stock account from an ESPP.


Key Philosophy Behind Our Money Map

As I plotted our money map, I realized that there are several key aspects to our financial philosophy that show up in the way we manager our money flow.


We Automate our Saving and Investing

I like thinking and talking about money, personal finance, investing and saving.  But when it comes to actually managing my own accounts, I want to be as efficient, time effective and fool-proof as possible.  So, I automate it all!

401K and HSA contributions?  Automated!

Savings for goals?  Automated!

Most of our recurring expenses?  Automated!

Our paychecks themselves?  Automated!

Set it, forget it, and go find an adventure 🙂


We Use Credit Cards to Our Advantage

We try to put all possible expenses on our credit cards.


So that we can track our expenses via bank statements and earn points.

Credit Card Note:  We only suggest credit card usage if you can a.) afford each and every purchase you put on a credit card and b.) can pay the card off IN FULL each and every month.


We Prefer Separate and Specified Accounts for Different Goals and Uses

2 Checking Accounts

4 Credit Cards

6 Savings Accounts

Notice a trend?  We like to have separate accounts dedicated to our various goals or uses.  The two checking accounts help us to keep our expense payment planning on track.  The four credit cards allow us to take advantage of the best offers available on the cards for each expenses.  And the six savings accounts help us to save for specific goals without being tempted to dip into one goal for another (no emergency fund $$ going to our vacation!).


In Sum

Our money map is actually a bit cleaner than I expected it to be (and I had a blast creating it!).  And I now have a visual for our money management and will be updating as our money flow evolves over time.


A big thank you to Budgets on a Stick, Apathy Ends, and the Luxe Strategist for the inspiration!


Has anyone else plotted their money map?  What did you find out?  Were there any surprises?


Always an Adventure,

Mrs. Adventure Rich


The Official Money Map Chain Gang:

Anchors: Apathy Ends, Budget on a Stick

Link 1: The Luxe Strategist

Link 2: Adventure Rich

Link 3: MinaFi

Link 4: Othalafehu

Link 5: The Frugal Gene

Link 6: Work Optional

Link 7: Our Financial Path

Link 8: Eccentric Rich Uncle

Link 9: Atypical Life

Link 10:  Cantankerous Life

Link 11:  Retirement Manifesto

Link 12: Debts to Riches

Link 13: Need2Save

Link 14: Money Metagame 

Link 15: CYinnovations

Link 16: I Dream of FIRE

Link 17: Stupid Debt

Link 18: Spills Spot

Link 19: Making Your Money Matter

Link 20: Life Zemplified

Link 21: Trail to FI

Link 22: The Lady in the Black

Link 23: Smile & Conquer

Link 24: Her Money Moves

Link 25: Full Time Finance

Link 26: Abandoned Cubicle

Link 27: Freedom is Groovy

Link 28: Millennial Money Diaries

Link 29: All About Balance

Link 30: A Journey to FI

Link 31: Present Value Finance