No Spend Challenge Success

65% Savings Rate – My No Spend Challenge Success

A few weeks, ago I wrote about how exhausting the holidays can be.  Between seeing family and friends, gift shopping, and vacationing, I was beat and so was my credit card. Don’t get me wrong.  I love the holidays like nothing else and would happily trade my birthday for a second Christmas.  But, all this fun tends to weigh heavy on savings and credit cards. Related: Holidays be gone!  It is time for No Spend continue reading…

No Spend January

Holidays be gone! It is time for No Spend January!

Happy New Year Everyone : ) I hope everyone had a great holiday and possibly even a few days off.  I am back from my annual year-end vacation and, just like all of us, am finding my way back into the rhythm of day-to-day, non-holiday life. This year I have decided to start a new tradition.  Year in and year out, I experience holiday burn out.  Financially mostly, but also a bit emotionally and physically.  continue reading…

Have the holidays drained your bank account? Here are the perfect money challenges for 2018!

Have the holidays drained your bank account? Here are the perfect money challenges for 2018!

Over the past few weeks, I have been to more holiday parties than I care to admit.  I mostly go for the company.  And, every once in a while, even for the free food and drink. *frugal alert* While I mingled with friends and colleagues, all while dodging THAT co-worker who can’t hold his liquor, a common theme emerged.  “We love the holidays! We hate the cost!” Not difficult to get behind that theory.  The continue reading…

how long will your retirement savings last how to not run out of money

How long will your retirement savings last? Wonder no longer…

How long will your retirement savings last?  A question easy to lose sight of.  After all, we are busy climbing the Mount Everest of retirement by earning and saving as much as we can.  All to reach the FI/RE summit. Asking ourselves how long our savings will last is just as important as FI/REing in the first place.  What is the point of it all if we run out of cash and have to go continue reading…

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…

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…

Financial Muse Annual Bonus Cash

Jeeze it is tough to be responsible with “The” annual bonus

Annual bonuses are awesome!  I mean, who wouldn’t like to receive an extra stash of cash to do with whatever you please.  And honestly, at 10+ years into my finance career, this is the first job I have that actually pays its employees an annual bonus.  And I am not going to lie … it is not something I want to go without for the rest of my career. Cue the “Annual Bonus” moment of continue reading…