• Finances,  Frugality

    Financial Surprise

    It is amazing. One day you decide to quit your job. You’re concerned about your expenses even though you know you’ve got it covered. But then you pay your bills and you realize: Your bills have plummeted. This frugalista has just realized that she was spending over $100 a week just on food and other things while she was away…

  • Finances,  Happiness,  Life,  Simplicity

    How to Live an Intentional Life

    It takes a bit of thought to sort through the chaos and programming to determine just how you want to live your life. My first trip down this path was simple in comparison. I had one goal I wanted to achieve. I wanted to be a stay-at-home single mother for my daughter, so I did what I had to do…

  • Finances,  Productivity,  Success

    Why the Turtle Beats the Hare to Success

    One of the blessings that come with age is patience. Time has a way of making you realize that instant wealth or success is a fairy tale concocted by marketers to place your cash in their pocket by taking advantage of your impatience. In his book Good to Great, Jim Collins discusses how mediocre companies develop long-lasting success. His research…

  • Finances,  Housing,  Organization

    The Value of Household Inventory

    I opened the last tote of kitty litter this morning. As soon as I topped off the litterbox I sat down and penned a note to my daughter, asking her to order more come payday. We had 1.5 totes of cat food on hand, so I informed her that we would be good on cat food for this round. This…

  • Finances

    Do We Need a Job?

    Everyone knows that we need money in order to live. That’s a given. We need to buy food and clothing. We need a place to live. In certain nations (like my own) we need money in order to afford healthcare even. But do we really need a job? We’ve been taught that we need to go to school, get a…

  • Car-Free,  Finances

    A Slice of Slavery

    Katie had to walk to work in the pouring rain this morning. I grieved for her as she headed into the downpour to walk the mile-long trek to her public job. I’ll have to do the same in a couple of hours. I could sit at this keyboard and whine that life isn’t fair; why can’t we own vehicles like…

  • Finances,  Retirement

    Repeating My Way to Freedom

    I just calculated the dividends I will receive over the next 12 months. I have finally topped the $250 mark. In order to consider myself financially free I need to have $6,000 a year minimum in passive income, or $500 a month. I am halfway to my one month’s goal, even with the sizeable investment I’ve made in one non-dividend…

  • Finances,  Minimalism

    Minimalism, Cash Flow, and Turnover

    One of the ways that businesses maximize their funds is by utilizing turnover to increase their cash flow. Instead of purchasing a year’s supply of whatsits in order to make their widgets, they instead purchase just enough to get by for a certain time period like a week or a month. The store I work at uses this principle. They…

  • Finances,  Health

    Self-Analysis

    Last night I face-planted into my computer keyboard. That was a definite sign of why I’ve become so grumpy and frustrated as of late. I’ve pushed myself a bit too hard again, sacrificing sleep for my goals. I have really got to establish some limits here. While I’m happy that I am more productive than I’ve been in quite a…

  • Car-Free,  Finances,  Frugality,  Investments

    Desire and Frustration

    I underestimated just how heavily it was raining as I left work yesterday afternoon. By the time I realized that I should open my umbrella it was far too late. I was soaked to the bone. “I have got to increase my income,” I muttered as I sloshed my way home. If I acquired a full-time job making just $10…

  • Education,  Finances,  Investments,  self-improvement,  Success

    2019 Goal Update

    I received a call on my day off from work yesterday, asking if I would come work for a couple of hours. I wasn’t thrilled at first but then I realized that those hours worked would take me a tiny bit closer to my goal. I worked that short shift with a smile on my face. I’ve made quite a…

  • Finances,  Frugality,  Recycling

    The Art of Building Wealth

    The average person has been led to believe a lie. The average person has been taught that wealthy people can be identified by the clothes they wear, the foods they eat, the home they own, and the cars they drive. They have been taught that the ones with the most expensive wardrobes, homes, and wardrobes are the wealthiest. To quote…

  • Finances,  Food,  Investments

    Income Tax Refund Report

    I spent $296 at the grocery store the day before my birthday. The kid seemed nervous at our barren pantry so I sorted it. I’ll not have her skipping meals because she’s worried that I can’t afford it. Just because she can’t chip in towards the grocery expense right now doesn’t mean that I’ll let her starve. The food should…

  • Finances,  Investments

    2018 Financial Report

    After a huge amount of struggle I finally located an online tax service that would handle the K-1 statement that was giving me so much trouble. I spent $95 to use the service but I consider it money well-spent. They not only managed to increase my refund, they saved me the bother of having to track down someone locally to…

  • Finances,  Investments

    Taxes are a Pain

    I have just discovered something the hard way: filing your taxes on investments can be a major pain in the butt. I’ve not only discovered that my usual online tax preparation service can’t handle the forms I need to file, but H&R Block wants to charge me an arm and a leg to file this stuff online. For now, I’m…

  • Finances,  self-improvement

    Operation: Katie

    Yesterday morning I was awakened at 8am by the phone. Katie had finished the train part of her journey and wanted to call while she awaited her first bus. She shared with me how she’d decided not to spend the money on a taxi in Chicago; she had gotten turned around and had to ask for help to reach the…

  • Finances,  Investments

    A Tale of Cowardice

    This is the very first year that I will file tax forms in relation to my investments. The very first time in my life that I’ve actually had real, Big Dog investment income to report. I’m having to fight the urge to turn tail and run. The other day I received the small package with the necessary tax forms to…