• Education,  Finances

    A Question About Debt

    There is a lot of discussion about how to handle student debt these days. When I came online this morning, I received the screenshot of the above tweet along with a question (abbreviated for clarity): “I have $XX,XXX in student debt from a college that forced me to leave when I became pregnant. Despite the fact that they refused to…

  • Economy,  Finances

    The Walmart Monster

    “The best slave is a slave that doesn’t know he’s a slave.” – www.zerohedge.com The human race is the only species on this planet that is forced to pay money for the right to live. In the United States, our parents have to go into debt just to give us life. They sweat and they struggle to support us through our childhood until…

  • Business,  Finances

    How to Annoy Your Credit Card Company

    It is becoming more difficult to live without a credit card in this world. You need credit cards to make online payments since more and more companies are moving exclusively online. Brick and mortar stores are beginning to refuse cash transactions now. I suspect that this trend will continue. While you can use the debit card provided at most banks in…

  • Business,  Economy,  Finances,  Investments,  Security

    The Man Behind the Curtain

    I generally take my dogs outside around the same time in the mornings. And each weekday morning, for a number of years, my dogs have decided to bark towards a neighbor’s yard across the field. I’ve looked each morning, scolding them, because I saw nothing of importance. I thought they were just barking at the wind so I told them…

  • Business,  Finances,  Frugality,  Simplicity

    A Private Revolution

    Sometimes the most horrible revelations can teach us. Yesterday I was presented with the reality of our world. The image of a man who was somebody’s dad, who reminded me of my dad burned its way into my soul as I read about the treatment he received from the nation I called home. There is absolutely nothing I can do to change…

  • 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…