• Education,  Productivity

    Bedtime Routine

    Time is the one thing I never seem to have enough of. Between my public job, caring for my home, and writing I never seem to have enough time to pursue my self-education goals. While I read on my days off and on my breaks at work my progress was annoyingly slow. It took weeks to finish a single book…

  • 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,  Inspiration,  Investments,  Simplicity

    The Magic of Time

    I moved to this house in April 2011. In the fence row of the front yard was a little sapling beside my front gate. My friend Mr. A wanted to chop it down. I told him to leave it; it would grow into a fence post eventually. That sapling was so insignificant that I never even bothered to photograph it.…

  • Education

    The College Path

    Last year a friend of mine decided to attend college. He wants to increase his education so that he can get a better paying job. I’ve encouraged him in this endeavor by assisting him with technical difficulties when his computer messed up and by acting as a sounding board when he doubts his ability to continue. He stopped in at…

  • Inspiration,  Investments

    The Art of Staying Motivated

    The other night I came home after an exhausting shift at work. I plopped down in front of my computer to check my emails before engaging in my nightly habit of reading a bit before I went to bed. As I sat there I thought “what’s the point?” What was the point in reading more when I was so drained?…

  • Finances,  Investments

    A Goal of Freedom

    With all of the work I’ve put in to learn about investing and the stock market I’ve allowed one important piece to fall to the wayside. I need a concrete long-term goal to focus on in order to not only have a measuring stick of my progress but to inspire me during the dark hours. I woke up this morning…

  • 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. …

  • Productivity,  Simplicity

    Lazy Yet Productive

    My days off were split up this week so instead of resting the first day and working on my house the next I was forced to get creative. My challenge was made even worse when I woke up on my day off feeling lethargic with a scratchy throat. I’ve pushed myself far too hard these past few weeks and my…

  • 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…

  • Investments

    Missing the Boat

    One of the first stocks I researched happened to be the company that originally owned the store I work in. Since they had sold my company off I decided not to buy, but since the owners of my franchise happened to also own another store that was involved in the company, I set up some news alerts just to keep…

  • Investments

    A Stock Market Ouchie

    While I was digging through the bargain bin at the Stock Market I stumbled across a company with a LOT of potential. This media company, while it has its fingers stuck in traditional media sources like television and radio stations, not only creates its own content but has been slowly transitioning to embrace the new way people receive media. I…

  • Organization

    Making Changes

    Life has been a whirlwind since I made the conscious decision to stay in this little house. The past seven years had been a holding pattern so I hadn’t invested much of anything into making this house look more like a home. There wasn’t any point in spending the money if I was planning to move, after all. Along with…

  • 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…

  • Food,  Frugality

    Living Large on a Shoestring

    I might live cheap but I do live well. I like to take advantage of sales in order to enjoy life as much as possible. One of the major ways I do this is on food. I am a huge fan of quality meat. I enjoy a nice steak as much as the next person but I rarely treat myself…

  • Decluttering,  Minimalism

    Evaluating My Possessions

    My daughter and I make a point of going through all of our possessions at least once a year. This allows us to refresh our memory about the items we own, reorganize these items to better accommodate our current life, and to figure out what we need to buy (or not buy) for the coming year. As we were sorting…

  • Investments

    Why I Won’t Invest in Index Funds

    I’ve had a lot of recommendations concerning Index Funds as of late. It seems that many people believe that they are the way to go. I happen to disagree, especially with current market trends. An Index fund is a business that buys shares in some (weighted funds) or all of the companies listed on the stock market. As a result,…

  • Finances,  Investments

    The Challenge of Investing in the Stock Market

    One of the major challenges of entering the stock market on a shoestring is brokerage fees. These are fees that you have to pay any time you buy or sell a stock. While there are a number of discount brokerages out there, many of them require that you open an account with anywhere from $500, $1,000, or even more. When…

  • Finances,  Frugality

    How I Made an 82.82% Investment Return on $7.56

    One of the smartest decisions I have ever made was to take business classes in high school. I learned how businesses save a fortune simply by buying the items they use in larger quantities instead of as they use them. Unfortunately, this teaching runs counter to how many people manage their finances. They only have so much money until payday…

  • Car-Free,  Frugality

    The Luxury of a Vehicle

    A few weeks ago a friend asked for some help. He needed to locate a vehicle that would start and run for $1,000 or less–in two weeks. Considering that my days off rarely match up to the friend in question I considered this an almost impossible task. Not only can it take months to stumble on the perfect deal, the…