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 around the house to avoid turning the heat on come … 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 change for people with hundreds literally every 5 minutes!

In … 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 just the purchase price, but what’s called the Total Cost … read more

The Average Joneses

Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?

-George Carlin

Some people find comparisons invigorating.  They want to see how they measure up, who the competition is, even something to aspire to.

Comparisons with money usually circles back around to Keeping Up With The Joneses.  You know, that phenomenon that … read more