World’s Best Layaway!
“I know what you’re thinking. You’re thinking, “Why does this idiot blogger think I’m dumb enough to give him my money so he can hold it for me until I’ve sent him enough to buy something I want, then...
View ArticleCrap I Can’t Afford Anymore
“I went to high school/college in the late 90’s/early 2000’s and it was during these years where my income was fairly disposable… When you’re a teenager you’re not exactly thinking too hard about...
View ArticleYou Know What Would Be Nice?
“You know what would be nice” is the reason Ikea, Target, and other big-box retailers exist. They perfected the art of the ensemble. It wasn’t enough to get/have a couch; now, you needed the...
View ArticlePay Your Past To Save Your Future
“When the communists came and we left we had lost everything. My father’s first job was cleaning toilets and doing janitorial duties at a retail store. He also had a side job being a gardener. My...
View ArticleHow Many Years of Retirement Will That Cost?
“Driving a new car or having a manicure every month are not things we value enough to trade for years of work. I’m not trying to decide what things are important to you, but finally realizing the...
View ArticleHow Much Is Enough?
“Some people seem to believe that money accumulation can ward off all bad things. Money is great for buying kitchen units but not so effective at staving off your inevitable human mortality. Or the...
View ArticleA Simple Way to Undo Money Mistakes
“It’s strange. People talk a lot about regretting financial mistakes but rarely does anyone mention punishing themselves for those mistakes. I suppose the loss of funds seems like punishment enough....
View ArticleConscious Spending
“To me, conscious spending is understanding that treats and splurges are part of a frugal life. That’s right, I said splurges. Living a frugal life is not all about deprivation. It might be to some,...
View ArticleThe Difference Between Feeling Poor and Having Enough
“Budgeting doesn’t have to be cumbersome, it can be as simple as dividing up income into expense categories – things that must be paid versus things that are “extras.” Let’s say couple A brings in...
View ArticleWhat I Learned During Shopping Addiction Therapy
“Alcoholics don’t hang out in bars. Those with shopping problems shouldn’t hang out in stores or malls, “just to kill time,” or “pass an afternoon.” I may indulge in a little “mindless” shopping every...
View ArticleLabel These 3 Purchases To Become a Wiser Consumer
At the simplest level, when you break down everything you buy, or consume, it can all really be distilled in to 3 categories: 1. The stuff you actually need. 2. The stuff you want, that you think you...
View ArticleAre You Giving Your Future Self The Shaft?
“Every financial transaction you make today is not so much a deal with a mortgage company, car dealer or department store. It’s a deal with your future self. After all, when the 20-year-old version of...
View ArticleKnow Your Spending Triggers
“To get started, sit down with a piece of paper. Create two columns. One for purchases, one for emotions. Think about the spending patterns in your life. Are there things that consistently come up? Do...
View ArticleYou Play How You Practice
“The way you do things when it doesn’t matter is exactly how you’ll operate when the stakes are high. If I veer from our basic spending guidelines and talk myself into spending extra money when it’s a...
View Article21 Things Frugal People Do NOT Do
“On this journey to become more frugal without sacrificing quality of life, I’ve learned quite a few things: I’ve learned what I personally can and cannot sacrifice without feeling like I’m missing...
View ArticleWhat Your Credit Score REALLY Means
“If my credit score is a measurement of the likelihood that creditors will make money from me, that means they think I’m likely to be paying interest. If I’m likely to pay interest, then I’m overpaying...
View Article“1 in 5 Would Rather Go to The Dentist Than Learn About Money”
“You can spend your cash, but then once it is gone, it’s gone. Or you can read a book or two, or a fabulous money blog, and learn about managing your money better. Money is finite. Knowledge is not....
View ArticleHow Much Is Enough?
“Some people seem to believe that money accumulation can ward off all bad things. Money is great for buying kitchen units but not so effective at staving off your inevitable human mortality. Or the...
View ArticleA Simple Way to Undo Money Mistakes
“It’s strange. People talk a lot about regretting financial mistakes but rarely does anyone mention punishing themselves for those mistakes. I suppose the loss of funds seems like punishment enough....
View Article★ 25 Examples of My Extreme Cheapness
#19. I Extend the Life of My Dress Pants With a Sharpie – Instead of throwing away pants when the belt loops start to fray, I take out a black Sharpie and draw on the gray frayed part of the loop. It’s...
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