• 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…

  • Frugality,  Housing

    Baby Step to a Better Life

    I trimmed the tall weeds in my front yard with a pair of scissors today. I chuckled at myself while I worked; it reminded me of all the times when I washed my laundry in the bathtub. It was also absolutely, completely ridiculous. I could hire someone to mow my yard but I’m no longer inclined to do that. It…

  • 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,  Frugality

    Resisting Temptation

    It was early evening. I was on my way home from work, hungry after my shift because I’d not eaten since the day before. The aroma from a local pizza place called to me, enticing me with its flavorful aroma. My nose went on high alert. My stomach started growling. My eyes drifted to the restaurant as I began to…

  • Frugality

    Impulse Purchases

    “Mom,” Katie’s voice called out from her room as soon as I arrived home from work. “What type of tablet should I buy for my photo editing? I want a good one.” “I thought you preferred using your Mac for photo editing,” I replied as I began my evening ablutions. “Actually, I prefer using my phone but I want something…

  • Finances,  Frugality,  Investments

    Potential Paths to Success

    The kid got her permit today. She’s over the moon with the achievement. She intends to acquire her driver’s license, invest in a vehicle, and get a better-paying job. Late last night she discussed her options with me. She asked if I would mind if she lived with me, splitting the expenses until some time in 2020. This would allow…

  • Finances,  Frugality

    10 Reasons Why You Shouldn’t Save Money

    In light of how many people I see on a daily basis who refuse to save money, I started asking myself why this was a thing. To me, it makes perfect sense to live beneath my means but in my world I am in the minority. I thought I’d brainstorm to determine if perhaps my path was the wrong one.…

  • Frugality

    How to Revive Mascara

    I have never really been one to replace an item until it is completely used up. I see no point in spending money when one doesn’t have to. When my black mascara decided to dry up I remembered a post I’d seen on Facebook about a hack that could revive it. You place the mascara bottle in a cup of…

  • Finances,  Frugality

    Live Beneath Your Means

    The other day an acquaintance approached me for a loan to pay their overdue water bill. They knew that the bill had been due on the 10th of the previous month; instead of paying it then they decided to do some other things with the funds since their water wouldn’t be shut off until the first of this month and…

  • Finances,  Frugality,  Happiness

    The Diderot Effect

    The Diderot Effect has been used as a lesson against mindless consumerism since the minimalist movement began. The moral of the lesson is always the same: buying something nice will lead to us buying other nice things until we’re broke and miserable. I was right on board with that thought from the beginning. Why should we strive to buy better…

  • Frugality,  Investments

    Unjustifiable Luxury

    I want a washing machine. I really do. I would like few things more than to be able to sit at home and do my laundry whenever I desire. With this in mind I pulled out my trusty ledger and checked to see just how much I spend each month at the laundromat in hopes that I could justify the…

  • Finances,  Frugality

    Rock Bottom

    I do believe I have now officially hit rock bottom as far as expenses go. With my daughter as my official roommate, she splits half of the household expenses with me. Here is a breakdown: Rent: $250 a month Electric: $50 avg. in summer Water/Sewage/Trash: $39.88 Internet: $30.59 Total: $370.47 My Half: $185.24 As usual, I am not including the amount we spend on…

  • Finances,  Frugality

    Frugality is Not Enough

    As I write this my home looks like there was an explosion in a clothing factory. I’ve spent the past few days washing laundry in my bathtub to save a bit more money this month. It is times like this when I dream of owning a washer and a dryer; it would be absolute heaven not to have to drag…

  • Finances,  Frugality,  Housing

    Winter Worries

    The kid will be moving out this winter. She plans to get married once her fiancée graduates BASIC training and move on base with him once he gets things sorted. Here’s a picture of him in training: The demon Fear has raised its ugly head since I’ve received this notice. She will probably move out mid-winter when the bills are…

  • Car-Free,  Finances,  Frugality,  Housing

    Frugality and the Pareto Principle

    According to the 80/20 Principle, 20 percent of actions will provide 80 percent of results. This is especially true when it comes to frugality. When you break it down the majority of money I personally save falls into two main categories: housing and auto. By renting a one-bedroom house in a less than ideal area, I saved $200 a month…

  • Finances,  Frugality

    Why Bother Saving Money?

    A common question I receive from family and friends is “why bother to save money?” Their reasoning is that, if they can afford it, they should enjoy every penny they have to spend. There’s nothing wrong with this logic on the surface. We’ve been trained to believe that we no longer really need to save for retirement or for protection…

  • Finances,  Frugality,  Investments

    Frugality is Essential for Success

    Everywhere you turn these days one can find ads touting this investment or that business as the way to “get rich quick.” Just buy this course or whatever and money will flow into your life like a raging river. Bull crap. There’s no such thing as “get rich quick.” It’s all a scam to part us with our hard-earned money. …

  • Frugality

    I Hate Modern Furniture

    I detest modern furniture with a white-hot passion. I’d rather set my money on fire than to buy the worthless crap that they call modern furniture these days. When I was a kid, you bought a piece of furniture with the knowledge that it would outlast you. My parents bought used furniture back in the 1960’s and 1970’s that would…

  • stop button
    Finances,  Frugality,  Organization

    Moratorium

    Everyone’s needs change over time. You may slow down or stop using an item, or you may start to use something else instead. It’s just a part of life. For instance, I was a big fan of pencil and paper. I not only write copious lists, I also composed my book/blog drafts and kept a journal in paper format. To…