stopped buying water

I stopped buying water and it has been the best breakup!

A few months ago, I was hit by what I have started to call the “bottled water trifecta”.  What on earth am I talking about?  Let me explain. 1. I was lugging home a twelve pack of water bottles.  And the entire pack felt as heavy as a ton of bricks, which put me in an incredibly awesome mood.  (*dripping with sarcasm*) 2. That same afternoon, I stumbled upon a YouTube video outlining what would continue reading…

how I lost 25 lbs in 3 months

How I lost 25 lbs in 3 months and saved big bucks in the process!

All across the personal finance blogosphere, you hear a lot of talk about spending less, saving more, and investing for a happy retirement down the road.  What we don’t talk about a lot is how to ensure that we enjoy retirement to the fullest. Part of getting the most out of retirement – may it be early or right around age 60 – is your health.  After all, what is the point of saving all continue reading…

5 please to score free books now

Saving Money – Here are five places to score free books!

One of the biggest gifts made to man- & womankind is the knowledge to be found between the pages of a book.  From kids to adults, while on vacation or at home, and no matter if done so often or occasionally, reading is the perfect gateway to knowledge. There is one industry who has managed to make a substantial buck of us bookworms.  Yes, I am looking at you Amazon, Barnes & Noble, and all continue reading…

dry cleaners are cleaning out your bank account

Saving Money – dry cleaners are cleaning out your bank account

Finding areas where you can save can be tough.  After all, who wants to cut out expenses that make our life happier such as dining out.  Same goes for things that make our life easier like our cars. What if, though, some conveniences are actually unnecessary expense drains in disguise.  Those of which keep you from paying off your debt, saving money for emergencies, and investing for retirement. One of those convenient money suckers is dry continue reading…

tricked into buying more

Surprise! We are all being tricked into buying more than we want!

Have you lately walked into Target, Costco, or really any other store with one item on the list?  How many items did you walk out with?  Odds are, more than the one on the list.  As it turns out, this isn’t your fault at all.  You are being tricked into buying more than you actually want! To make things even worse, we are being tricked into buying more things with more than one tactic.  So 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…

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…

how much money you need to retire comfortably

The 4% Rule: The opening bid of how much money you need to retire comfortably!

The 4% rule has been a tried and true rule within the early retirement community for some years now.  It might be known to you as the Safe Withdrawal Rate or simply SWR.  If it is not known to you quite yet, let’s define it before we dive further into this opening bid of how much money you need to retire comfortably! The Safe Withdrawal Rate is the % of your investments available to you continue reading…