It's 8:13 am. I, hyped up on my caffeinated coffee buzz, enthusiastically, jump into the elevator on a Thursday morning as if I am Arnold Schwarzenegger about to "terminate" the day's adversities. As soon as I leap into the metal contraption about to effortlessly carry me up to my floor, I noticed three adults in … Continue reading The Elevator Culture Crisis
“Cat: Where are you going? Alice: Which way should I go? Cat: That depends on where you are going. Alice: I don’t know. Cat: Then it doesn’t matter which way you go.” ― Lewis Carroll, Alice in Wonderland Much to my surprise, my portfolio breakdown in my last post caused a few interesting comments on … Continue reading Pay cash for your home vs opportunity cost
Well hello there, today we are going to chat about a topic that is close to my heart. And that is, Financial Independence (FI). To be clear, in the personal finance community, Financial independence is a state in which an individual or household has sufficient wealth to live on without having to depend on income … Continue reading Journey to FI: Intro
picture source Equilibrium def: a state of rest or balance due to the equal action of opposing forces. Hello all, After my last post you now know the news. There is a baby on the way! Yes. The wifey and I are very excited. But I must admit, from a frugal perspective, I am terrified. … Continue reading The Baby vs Equilibrium
Welcome to another entry in my Frugal Grit series. In case you are new, this series is full of tactics I personally used to optimize my income. No Speculation here. You will only find experiments and lessons learned from the ground level. Hope you enjoy. Most people I know curate their social media page and … Continue reading Peer Pressure can leave you broke
So if you haven't noticed, the feds are slowly increasing interest rates. As I have said in the past, this doesn't mean the sky is falling. And most importantly, there are ways we can capitalize on the benefits of this act. How specifically? We can leverage Money Market savings accounts and CDs (Certificate of Deposit). … Continue reading CD Rates are up!
Well hello there, I have an announcement to make. The Average Joe household is about to grow. That's right. My wife is 20 weeks pregnant! We are so happy and blessed to hear this news. In between rummaging through garage sales for used baby crap to prepare, I started thinking, how can I financially prepare … Continue reading Stash cash as an insurance policy
There is a central theme I am seeing here in the blogosphere. That is, most of the popular financial bloggers already had money or a great education when they became wealthy. I am not discrediting these bloggers in any way. However 10 years ago, when I had no college degree and no special skills and … Continue reading How can you save money if you don’t earn enough?
Just yesterday I volunteered for a 5k race at my church. We raised money for a great cause and all went well. That's all good and great. But sitting in the shade, slowing things down a bit, and turning off my phone helped me see a few things that weren't necessarily displayed. My view while I … Continue reading Giving is a frugal gift to yourself
Cooking all my food at once freezing it and thawing it out throughout the week has helped me achieve ULTRA FRUGALITY!!! Caps lock and bold font aside, a new level of awesome has been achieved in my household. Keep in mind, I am not in anyway qualified to give dietary advice, but I will be as transparent as possible with my own health results in an effort to encourage experimentation.