Why It Doesn’t Hurt To Be Frugal

You know the saying:  Spend less than you earn.  To achieve this, either increase your income or reduce your expenses, or both.

Frugality might be up there with budgeting as far as unsavory personal finance words go.  For a lot of people, images of rice and beans every night for dinner and wearing 8 sweaters … read more

How Do You Treat Payday?

In the restaurant I work at we have a label for a particular day or two of the month:

Payday Friday

A couple of things happen on Payday Friday.  We’re busier, people tend to buy more expensive items (like barista drinks over drip coffee and sandwiches over bagels and pastries), and I have to get … read more

The Total Cost Of Living

It’s 2017 and easier than ever to buy almost anything you want.

For bigger purchases, like cars and houses, we can browse and research online, and plug our options and numbers into impressive calculators that will tell us our monthly payments, interest, expected maintenance costs, etc.

When you buy a car, you can see not … read more

Money Update – June 2017

[Almost!] Every month I’ll post an update on my finances from the last month, with a focus on increasing income, spending less, and maintaining a high savings rate.  You can see previous updates here.

Results – June 2017/Half way through 2017

2017 is half over.  Here’s what the cat dragged in:

2017 Savings Rate:  

read more

15 Minutes Could Give You 15 Years Of Your Life Back

Housing, transportation, food.  And maybe taxes, depending on where you live.

These are the biggest expense categories for the majority of people, regardless of income.  It’s not uncommon to hear about someone spending 50% of their take home pay on rent, or someone making $30,000 a year with a $300 a month car payment (plus … read more

Get Started Investing In One Weekend

I know that title sounds a little weird.  Maybe “Can You Learn Everything You Need to Know About Investing in One Weekend” is more accurate.

Anyways, I started thinking about this after reading a post on reddit/personalfinance.  The original topic was about how to get started with investing and somewhere in there a discussion popped … read more

When 24-Year-Old Me Bought A Car…

At the age of 28 I’ve had 3 cars so far in my life.

The first one, at 16, was a pickup truck.  It was all manual (even the transmission) and I had to mentally calculate how much gas to put in it without filling it up, otherwise the gas tank would overflow :/

The … read more

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