After gaining 12 lbs during my freshman year in college, I had to spend $35 to buy a pair of new jeans. $35 might not sound like a lot to you, but it was a lot to me at the time because I only made $4/hour working at McDonald’s. Wasting 10 hours of my life […]
Samurai September: Welcome To Your Financial Cheat Month Read More »
These are the best rewards credit cards today. They have the best cash back credit card rewards and the highest sign-up bonuses. I used to receive a ton of credit card solicitations in the mail until I finally put my address on the do not spam list. Some of the credit card rewards offers really
Don’t Let A Credit Card Rewards Program Change Your Spending Habits Read More »
A good spending ratio will help you spend responsibly while enjoying your wealth more. For those of you who lack spending discipline, a good spending ratio is a must. I have trouble spending money on things I don’t need because I value the freedom money buys. After enjoying complete financial freedom since leaving workin 2012, I
If You Want To Be Bad, Follow A Good Spending Ratio Read More »
Once your housing expense is under control, the next thing to tame is your consumption habits. The most common waste of money today is buying an automobile. New cars are simply too expensive for the median household income. But because car manufacturers have created ways for consumers to stretch with financing and leasing deals, consumers
The 10X Investment Consumption Rule To Fix Bad Spending Habits Read More »
How do you know if you’re rich? Well let me share when you know you’re still not rich yet! Sometimes I go to bed thinking how good life is. From the joys of breathing in clean air to the freedom of making money anywhere there’s internet access, life is pretty great. Sometimes I even go
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To achieve financial independence, everyone needs to boost savings and control spending. Once that’s done, it’s time to maximize earnings. The wider you grow this gap, the wealthier you will become over time. The only problem when you boost savings so much is that it may begin to burn a hole in your pocket after
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To keep motivation up, remind yourself about the reasons for saving and investing so diligently. Once you have clear purposes for your money, saving aggressively becomes much easier. It’s too easy to eat one more cookie and find ourselves unrecognizable 10 years later. When we live in a free and abundant country, life can get
The Best Reasons For Saving And Investing So Diligently Read More »
Let me introduce to you the next best frugal site: Frugal Wonderful! A buddy of mine who so happens to be a very successful frugal blogger gave me some incredible advice recently. He said, “Sam, you’re doing it all wrong focusing on the mass affluent / aspirational niche. Instead of writing about investing, entrepreneurship, and
Creating The Next Best Frugal Site: Introducing Frugal Wonderful Read More »
Before the pandemic, the personal saving rate in America hovered between 5% – 6%. Post pandemic, the personal saving rate in America shot up above 25% as people freaked out about their future. We already know the main reasons why people go into debt are due to greed, stupidity, entitlement, desperation, and insecurity. The debt article offers
The Personal Saving Rate In America And The Best Way To Save A Ton Of Money Read More »
If you are frugal, you’ll likely never get into financial trouble. I was very frugal saving between 50% – 70% of my after tax income until about age 35. Then I decided there was no point saving so much money if I wasn’t going to live a little. This post will discuss things worth spending
Things Worth Spending Max Money On For A Better Life Read More »
