real-life journeys, realistic life tips, and random rants
I am being very diligent about tracking my expenses and spending less. Until my lifestyle stabilizes a bit, I am not going to really see an improvement in my overall debt total, but it is important to establish some good…
Change is hard. Establishing new habits is hard. I said this blog would detail those ins and outs, and I’d fallen off a bit because I was feeling a bit uninspired. A friend reminded me that continuing to share may…
We all know that savings accounts at major banks are (generally speaking) not worth it. In case you haven’t heard, savings accounts at major banks are generally not worth it. For the average Joe, which I consider myself to be,…
I’ll remember. That’s the biggest and most frequent lie I tell. To coworkers, family, friends, even to myself. It is not an intentional lie, nor is it a mean-spirited one. It is one cloaked in the best of intentions and…
More often than not, there is a gap between what you want to do and what you can do. Working to make improvements in your life is no different. Whether these improvements are financial, behavioral, spiritual, physical, or mental, it…
Zero-based budgeting is a budgeting method where every penny is accounted for, so that your income minus your expenses equals zero. For Johnny, who gets paid weekly, a projected budget for him may look something like this: At the end…
Do you take advantage of savings when you can, or do you just let the savings fall by the wayside because you can’t be bothered? I’m not talking about extreme couponing, or even driving to three different grocery stores to…
As you are trying to save money, spend less, reduce fixed expenses, and live your best life, it is always a good thing when you can get money for little effort. One simple way to do this is to check…