16 Little Perks I Use To Boost My Mood When I’m Down Without Spending Money

The winter blues strike me hard each year. When the Iowa winter reaches a point where it’s fairly miserable to go outside and the days are short to boot, I wind up spending far too much time inside. This causes me to not get enough sunshine, and even though I have a couple of good … Read more16 Little Perks I Use To Boost My Mood When I’m Down Without Spending Money

12 Little Lifestyle Tweaks and How Much They Save

Cutting spending is an essential part of everyone’s financial toolbox, especially if they’re just getting started on their own financial turnaround or they’re hoping to accelerate their financial journey. The usual personal finance advice pushes people to look at the big expenses first. If you can cut out a sizable monthly bill, that’s great! For … Read more12 Little Lifestyle Tweaks and How Much They Save

9 Easy Ways to Save Money on Groceries without Coupons

Groceries can get expensive. If you Google how to save money on groceries, many sites offer the same advice – use coupons. But what if you want to know how to save money on groceries without coupons? Is there a way to lower your grocery bill without spending hours scouring through newspapers and the Internet? … Read more9 Easy Ways to Save Money on Groceries without Coupons

15 Inexpensive and Easy Valentines for Kids

A super fun collection of easy and cheap Valentines for kids- includes both food and non-food ideas! There are affiliate links in this post. If you use these links, I may earn a commission- please read my full disclosure policy. If you are like me, you simply don’t have time to do complicated Valentine’s gifts for… … Read more15 Inexpensive and Easy Valentines for Kids

Some Thoughts on Marie Kondo

Over the last few weeks, I’ve heard from a few readers who have asked me whether or not I’ve watched Tidying Up with Marie Kondo, a Netflix series that debuted early this year. I have actually watched a few episodes (but not the full season), and what I found is that Kondo is a charming … Read moreSome Thoughts on Marie Kondo

Why frugality is an important part of personal finance

In a recent article in The Atlantic, Joe Pinsker shared some thoughts on why many ultrarich people aren’t satisfied with their wealth. There seem to be two reasons. First, people tend to ask themselves: Am I doing better than I was before? Do I have more today than I did yesterday? “All the way up … Read moreWhy frugality is an important part of personal finance

Discipline equals freedom: The difference between deprivation and depriving yourself

Financial independence and early retirement continue to attract mainstream attention. This is a good thing. Check that, this is a great thing. Of course, with this attention there are more naysayers and critics than ever. One of the main criticisms of the FIRE movement — and of frugality, in general — is that those who … Read moreDiscipline equals freedom: The difference between deprivation and depriving yourself

30 Easy Meatless Meals (cheap and quick too!)

Lower your grocery budget with these easy meatless meals! They’re cheap, simple to make, healthy and mostly family friendly too.  Perfect for Meatless Mondays! You know that I’m always looking for ways to lower our grocery bill.  Well, it’s no secret that the cost of meat can easily be one of your biggest grocery expenses! Soon… … Read more30 Easy Meatless Meals (cheap and quick too!)

A Frugal Person’s Guide to Coffee

Over the last few years, I’ve really begun to appreciate a cup of coffee in the morning, particularly on days when I need to tackle a lot of tasks that require focus and ideas. My personal preference is cold, black coffee, cold brewed in the refrigerator and consumed without sweeteners or cream (I’m actually sipping … Read moreA Frugal Person’s Guide to Coffee

Lincoln’s Axe and Frugality

“Give me six hours to chop down a tree and I will spend the first four sharpening the axe.” – Abraham Lincoln I love this quote from Abraham Lincoln. It’s such a clear analogy about the value of preparation. Cutting down a tree is hard work, and it is much, much harder if you’re using … Read moreLincoln’s Axe and Frugality