Can you guess how much time is wasted on watching TV

Can you guess how much time is wasted on watching TV?

Have you ever gone on vacation or into a weekend with a list of accomplishments all laid out?  I did this past week and, to be completely honest, accomplished close to nothing.  What was the culprit?  TV!  In particular, how much time is wasted on watching TV. The average person watches 15+ hours of TV per week.  And that is regular programming only.  It does not take into account the additional 10+ hours per week continue reading…

traveling the world while on a budget to virginia beach

Traveling the world while on a budget to Virginia Beach: ocean, feet in the sand, and lot’s of R&R … all while saving $1k!

Vacations are hands down the best thing in life!  Domestic or international?  It doesn’t matter.  Just being able to scope out a different place, meet new people, and rest up from the day to day grind makes all the difference.  But, there is always a but, travel shouldn’t break the bank.  And thankfully it doesn’t have to. Earlier this year, we made our way to Barcelona and saved $2k while having a blast.  This summer continue reading…

Expense Tracking Update 2nd Quarter 2017

Expense Tracking Update – 2nd Quarter 2017 Spending Hits and Misses

What I dreaded at first, has become quite the quarterly challenge.  Yes, I am talking about tracking my expenses.  A few years ago, I would have never said, thought about, or done anything about it.  But since tracking my expenses for all of 2016 and discovering several eye-opening expense drains, I am now a believer!  Deep down I hope that putting my expenses out there and documenting my progress will turn you into an expense continue reading…

Personal Savings Rate Goal Pic

How to outmaneuver the expense creep and hack your personal savings rate goal!

Many of us have all the right intentions.  Up our retirement contribution percentages.  Build an emergency fund.  Pay down our student loans and credit card debt.  All great things until the expense creep comes knocking. By the time rent, mortgages, groceries, and other bills have been settled, how much money is really left over to bring all those good intentions come to life?  So on we go, hoping to make it happen with the next continue reading…

target date funds pros and cons

Target Date Funds Pros and Cons – taking the road less traveled can pay off big

Imagine yourself hiking through a forest.  After a few hours, you come to a crossroad.  One way looks straight, easy to maneuver, and sunny to boot.  The other appears to have tons of turns, hills and is looking a bit chilly as well.  Which one will you choose? Straight, easy to maneuver, and sunny, right? Let’s add a few more variables.  The easy path, even though less strenuous, will add three hours to your hike. continue reading…

choose your investments wisely

Part 4 – How to choose your investments wisely on behalf of your future self!

Most recently,  I pondered all the money and life lessons I would give my younger self.  And you guys echoed the sentiment with life lessons of your own, such as … … letting go and moving on, instead of dwelling – NZ Muse … taking calculated risks and chances – Need2Save When I write a follow-up post in a few years from now, I would like to have nothing to say.  Yes, you heard right.  continue reading…

why comparing prices is crucial

Saving Money – why comparing prices is crucial for your wallet and flowing locks

Hands up … who wants to leap vs. stroll toward achieving their financial goals?  Two concepts have been proven to make that happen.  For one by increasing your income (check out my side hustle experiment) and secondly by decreasing your expenses by saving money.  This is why comparing prices is crucial! Now I could write a bunch of paragraphs telling you how important it is to save money.  No need for that because you already continue reading…

make money with surveys

Can you and I make money with surveys? Let’s find out…

It is no secret that side hustles are by far the best way to supplement your 9 to 5 income.  No matter what your financial goals are, extra cash will get you there faster.  There are a ton of “get rich quick schemes” out there and I’ll be damned if we fall for any of them.  Instead, let’s find out if we can make money with surveys. Why make money with surveys? Are you in continue reading…

patience for financial independence

Let’s all acquire the patience for financial independence together!

The personal finance blogging community has been the greatest experiences of my life (so far).  And I love to give shout outs to those who inspire me on my journey so they can inspire you as well.  Today I want to highlight a post from Financial Samurai, a well-known presence in the community. He recently wrote about fear.  Particularly, how it enabled him to become who he is and accomplish what he has already accomplished continue reading…